1. Introduction
‍These Terms and Conditions (these “Terms” or these “Terms and Conditions” or “TyC”) contained here on this website, will govern your use of this website, including all pages within this website (collectively referred to below as this “Website”) which is owned by CORESOFT S.A. which has authorized its use by granting a license to use EFY TECHNOLOGIES, S.A. DE C.V. (hereinafter referred to as “EFY Finance” or “the Company”), a company duly constituted and registered under the laws of El Salvador and with Tax Identification Number 0614-270423-109; and authorized to operate as a Bitcoin Service Provider such as: Bitcoin Custodian, Digital Exchange or Exchange, Digital Wallet for Bitcoin by the Government of El Salvador under Registration Code 648760ef51164005aa47d2df, with address in Pasaje Sthall, Colonia Escalón, #3654, city of San Salvador, El Salvador. These Conditions will apply in full force and effect to your use of this website and by using this website, the user expressly accepts all of the Terms and Conditions contained here in their entirety. You should not use this website if you have any objection to any of these Terms and Conditions.

This website is not for use by minors (defined as those who are not at least 18 years of age), and the user should not use this website if they are a minor.

These Terms and Conditions apply to all operations carried out on the Platform, including product promotions, as applicable, and are available on the website https://efy.finance, together with the Company's Privacy Policies, Risk Notices and Cookie Policies. By clicking on accepting the T&C on the Platform, the User acknowledges that they have read and understood them in their entirety, accepts their content and recognizes that they constitute a binding agreement between the User and the Company.

The company reserves the right to modify these Terms and Conditions at any time. It is the User's responsibility to read the Terms and Conditions regularly, as they may change. Any modifications will be posted on the Site and will be considered accepted by the User if they continue to use the Site.

If the User does not agree with the modifications, he must inform the Company within 10 business days after the publication of the modification. In case of disagreement, the company will close the User's Account after receiving instructions on the destination of the Digital Assets registered in the Account. In the meantime, the Account will remain locked.

Depending on the country of residence, it may be the case that a User is not able to use all the functions of the Site. And even if, depending on the nationality, country of residence or country that issued the User's identity document, EFY Finance is prevented from providing the service or reserves the right to do so. Currently, EFY finance reserves the right to admit as Users all those who could be considered 'US persons' (a US person is understood as a citizen or resident in the United States of America, and even those who, without resident, have an identity document issued by the United States of America, in accordance with the legal definition of US Persons for the regulations of “Money Services Business”).
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2. Acceptance of this Agreement
Please review the following terms carefully. By accessing, linking, registering and/or making use of the Services (or by clicking on “accept” or “agree” with this Agreement when requested), you do so under your full responsibility and, therefore, you fully and unreservedly accept to be bound by the terms and conditions of this Agreement on your behalf or on that of the entity or organization you represent. Likewise, by joining, registering and/or making use of the Services, you expressly and unequivocally authorize EFY Finance, so that, directly or through third parties, in the terms of this Authorization to process your personal data in accordance with our Processing Policy. If you do not agree with the terms and conditions of this Agreement, you will not be able to use or access the Services and you must immediately leave the Website or Platform.

3. Definitions
The following words and expressions used in these T&C will have the following meanings:

“Digital Asset” means the Bitcoin digital asset and any crypto asset that will be offered by the Platform in the future.

“Wallet” means a software application or other mechanism, whose purpose is the custody and transfer of Digital Assets.

(i) Nature and scope. The Wallet functionality (the “Wallet”) allows the user to view, receive, hold and/or transfer certain digital assets supported by the Platform. The Wallet does not constitute a bank account, deposit product, security or financial instrument per se; it is not covered by deposit insurance, nor does it involve financial, legal or tax advice. The Wallet is part of EFY's technological services and is provided within the scope of its PSAD-CNAD license only to the extent applicable; any function that exceeds that scope and/or is provided by third parties is governed by the terms of the corresponding third party and is not understood to be covered by the EFY license.
‍(ii) Operating modalities. The Wallet may operate under one or both modalities, depending on technical and regulatory availability: *Non-Custodial (self-custody). The private keys/seeds and credentials are exclusively under the user's control. EFY does not access, store and cannot recover keys, seed phrases, passwords or funds. The loss or commitment of such elements may result in irreversible loss of assets. It is the user's obligation to make secure backups and to adopt protective measures against phishing, malware and social engineering. *Custodial with a third party. Custody, asset segregation, liquidations, network conversion, and safeguards can be provided by an outside custodian. In such a case, EFY acts as an interface/project manager and not as a guardian or counterparty. The legal relationship, fees, levels of segregation, limits, regulatory withdrawal times/blocks, rehypothecation policies (if applicable) and risk management are governed exclusively by the terms of the custodian and the applicable regulations. EFY does not guarantee continuous availability, processing times, or withdrawal capacity in the face of custodian or network contingencies.
‍(iii) Supported assets and networks. Notwithstanding changes and technical availability, the Wallet may support Bitcoin (BTC), Ethereum (ETH), USDT (ERC-20, TRC-20, Polygon, TON), USDC (ERC-20, Polygon), USDR, EURR, USDQ and EURQ, among others that EFY can enable or disable at any time for regulatory, security or business reasons. The user is responsible for selecting the correct network for each operation; shipments to incompatible networks or addresses may cause definitive loss of funds. Protocol updates, hard/soft forks, changes in token standards (e.g., ERC-20), and chain rules can affect transaction balances, compatibility, and/or visibility.
‍(iv) Transactions, Termination and Fees. On-chain transactions are, as a rule, irreversible once confirmed by the network. Inclusion in blocks depends on network fees (gas/fees), congestion, mempool and protocol conditions. EFY and/or the custodian may apply their own fees for use, network conversion, swaps, withdrawals and related services, in addition to third-party fees (networks, PSPs, ramps). Quotes on instant exchanges or RFQs can be indicative and subject to spreads, slippage and latency.
‍(v) Compliance, Eligibility and Penalties. The use of the Wallet is subject to KYC/AML, reinforced verification when applicable, origin of funds, sanctions controls (including OFAC and equivalent lists), territorial restrictions and fraud prevention policies. EFY and/or the custodian may refuse, delay, block, reverse off-chain (when legally feasible) or report transactions that contravene regulations or their internal policies. The user must keep documentary evidence necessary for audits and regulatory requirements.
‍(vi) Technological and operational risks. The user accepts risks of partial or total loss of assets due to hardware/software failures, human errors, smart contract bugs, network attacks, exploits, phishing, SIM-swap, unavailability of APIs, scheduled or unexpected downtime, and force majeure events. EFY does not guarantee compatibility with all devices/operating systems, nor does it guarantee the permanence of functionalities. The security of the user's device and environment is critical to the protection of their assets.
‍(vii) Jurisdictional restrictions and local scope (including El Salvador). The availability of Wallet features and certain assets may be limited by jurisdiction. For citizens or residents in El Salvador, access to digital asset services is limited to those enabled by Salvadoran legislation, including Bitcoin (BTC) and, where appropriate, USDT (ERC-20, Polygon, TON), USDC (ERC-20, Polygon), USDC (ERC-20, Polygon), ETH, USDR, EURR, USDQ, EURQ, subject to current authorizations and regulations. Unauthorized assets/services will remain restricted until appropriate approvals are obtained. EFY may apply geo-blocks or limits due to risks, sanctions or local requirements.
‍(viii) Interoperability with other modules/third parties. If the Wallet is integrated with EFYramps, Exchange-IRFQ, Zenus Bank, or other third-party providers, each flow will be governed by the specific disclaimer of that module and the terms of the third party. The use of these integrations does not make EFY a trustee, advisor, broker, issuer, bank or counterparty to the transaction, nor does it extend the scope of the PSAD-CNAD license beyond its strict scope.
(ix) Asset listing, support and de-listing. EFY may incorporate, limit or withdraw support for assets or networks due to technical, regulatory or market risks. In the event of a delisting, EFY will endeavour — when feasible — to enable a reasonable period for withdrawals; it may suspend deposits and restrict operations on the terms it communicates. EFY assumes no obligation to support forks, airdrops, dividends, staking, rewards or similar functionality, unless specifically notified.
‍(x) User Responsibilities. The user: (a) verifies addresses and networks before sending; (b) keeps their keys/seeds securely; (c) keeps their device free of malware; (d) keeps backup of credentials and settings; (e) understands applicable fees and limits; and (f) respects the regulations of their country (including tax and exchange obligations). EFY is not responsible for losses resulting from user errors, misappropriation by third parties, or security breaches beyond its reasonable control.
‍(xi) Incident care and resolution. EFY will be able to offer support channels for technical issues with the Wallet. In a non-custody mode, EFY cannot reverse on-chain transactions or restore keys. In custody with a third party, requests for freezing, release or investigation are processed in accordance with the procedures of the custodian and applicable law, with no guarantee of outcome.
‍(xii) Amendments. EFY may update this section to reflect regulatory, technical or business changes, with effect from its publication or the date indicated. Continued use of the Wallet implies acceptance of the modifications.

“Account” Means the registration on the Platform through which each User and their operations are identified.

“Automated Conversion” Means the automated internal Conversion instructed by the Account Holder and carried out by Efy Finance to convert certain Fiat Currencies into one or more Digital Assets, or vice versa, as necessary for the provision of certain Services. In the event that, in the future, the Platform offers a multiplicity of Digital Assets, Automated Conversion will also involve the conversion of one or more of these Digital Assets by another or others.

“Fiduciary Currencies”: Legal tender for the Jurisdiction of El Salvador

“Platform” Means the Application available for download through the efy.finance website, which offers the Services available to Users.

“Services” refers to the services offered to Users by the Platform that include the purchase, sale, exchange, exchange, and custody of Bitcoin and other Digital Assets (enabled digital assets: USDT (ERC-20, TRC-20, Polygon, TON networks), USDC (RedeSerc-20, Polygon), Ethereum (ETH), USDR, EURR, USDQ and EURQ) that will be enabled in your Wallet in the future

“User”: Means a natural person, of legal age in accordance with the current legislation of the jurisdiction of their domicile who accepts the T&C for the purpose of being an Account Holder on the Platform and using the Services offered by the same as these.

“Fork”: is the term used to describe the fork generated in the Blockchain network when a new project is born or when an existing one is updated. Forks involve a series of rules for trading a cryptocurrency.

Efy Finance's “Staking Product” or “Staking” means a product offered by Efy Finance, which allows you to earn returns on your Digital Assets by making the effective deposit in your wallet authorizing or ordering them to be ready for the on-chain staking product in accordance with these General Terms.

“Participation Transaction” means a transaction related to an Participation Pair initiated by Efy Finance, through an Order from the user to wager the amount of Digital Assets deposited in their wallet;

“Staking” means delegating or blocking Digital Assets deposited in the user's wallet to earn Rewards;

“Stake Pair” means the Eligible Digital Asset paired with the Digital Stake Asset, both serving as a Base Asset or as a Counterasset, with respect to which a Stake Transaction, respectively a Disbursement Transaction, is initiated by the Customer and executed by Efy Finance;

“Order” means an instruction from the user to Efy Finance to execute a Stake Transaction, respectively, a No Stake Transaction;

“Returns” means the rewards that Efy Finance distributes to you in staked Digital Assets, minus the Efy Finance Participation Commission.

4. Restrictions
The User is expressly and emphatically restricted from all of the following:
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a) sell, sublicense and/or market in any other way any material on the Website;
b) use this website in any way that is or may be harmful to it;
c) use this website in any way that affects user access to this website;
d) use this website in a manner contrary to applicable laws and regulations, or in a way that causes;
e) may cause damage to the Website or to any person or business entity;
f) engage in any data mining, data collection, data extraction or any other similar activity in connection with this website, or during the use of this website;

Certain areas of this website or platform, as the case may be, are restricted to access by the User and The Company may further restrict access to any area of this website and/or platform, at any time, at its sole and absolute discretion. Any user identification and password you may have for this user are confidential and you must keep such information confidential.

5. International Restricted Jurisdictions
‍The Platform may not be available in some countries due to international restrictions or business decisions. The company will determine in which jurisdictions the Services can be offered. According to company policies, the following jurisdictions are restricted for the use of the Platform: North Korea, Iran, Myanmar, Albania, Barbados, Burkina Faso, Bulgaria, Cameroon, Cayman Islands, Democratic Republic of the Congo, Gibraltar, Haiti, Jamaica, Jordan, Mali, Mozambique, Nigeria, Panama, Philippines, Senegal, South Africa, South Sudan, Syria, Tanzania, Turkey, United Arab Emirates, Uganda, Yemen. These jurisdictions are considered to be high-risk or have weak measures to prevent money laundering and funding to terrorism (PLD/FT), or they have strategic deficiencies in PLD/FT in accordance with international or local standards, so they are considered by the company as jurisdictions in which we reserve the right to provide our services EFY Finance reserves the right to refuse the registration of a new Account at its sole discretion and/or in accordance with applicable regulations.

6. Third-party links and advertisements
‍The Services may include links to third-party websites, resources, applications and services, as well as advertisements (called “Third Party Links”). These links are provided for your convenience only and do not imply that they are owned or operated by the Company or that they have any relationship with it. The company does not review, approve, monitor, endorse, guarantee, or make any statements about Third Party Links.
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The company has no control over the contents, products or services of the Third Party Links and is not responsible for them or for any loss or damage that may arise from their use. The presence of links to other websites or applications does not indicate an association, relationship, approval or endorsement by the company or its affiliates with the owners of those sites or content. If you choose to access a Third Party Link, you do so at your own risk and will be subject to the terms and conditions of use of that link. It is your responsibility to carry out the necessary investigations before making any transaction related to a Third Party Link.

As an example and not limited to, the Page may display notices, banners, hyperlinks, comparators or information sections that direct to products and/or services offered by third parties (including entities of the same corporate group that act as external agents). The mere display of such contents does not imply that they are part of EFY's regulated services or that they are covered by its PSAD-CNAD license; consequently, they do not constitute advice, brokerage, custody, guarantee of performance or EFY's own offer. All interaction is governed by the terms of the corresponding third party and is carried out at the user's own risk, subject to KYC/AML, eligibility, limits and applicable territorial restrictions:

‍(i) Panama — Investment provided by CORECREDIT S.A. (external agent of the group). EFY may include links to investment products/services offered and managed independently by CORECREDIT S.A., a company domiciled in the Republic of Panama and belonging to the same corporate group, acting as an external agent. The interaction, contracting and execution are carried out exclusively between the user and CORECREDITS.A., under Panamanian legislation and the corresponding authorizations/supervision in Panama. EFY does not act as an intermediary, broker, investment advisor, trustee, trustee or counterparty, does not guarantee returns or assume performance obligations. The user must review and accept terms, rates, risks, eligibility, KYC/AML and other conditions imposed by CORECREDIT S.A., and carry out due diligence before contracting.
a. EFY Investments and EFY Lends: by invitation only and with their own terms, using specific documentation (e.g., terms and conditions/PPM, framework contracts). They do not constitute a public offering, they may require investor eligibility and enhanced verification. Unguaranteed returns; the user must perform due diligence and, if necessary, obtain independent financial, legal and tax advice.
b. eFyRamps: fiat-crypto input/output channels provided, where appropriate, by third-party payment gateways and PSPs; subject to KYC/AML, limits, anti-fraud reviews, reverse/chargebacks, bank/network compensation times and provider fees. EFY does not manipulate third-party exchange rates or ensure settlement time.
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‍(ii) Colombia — Factoring and Confirming provided by CORESOFT S.A. (external agent of the group). EFY may provide links to Factoring and Confirming solutions offered by CORESOFT S.A., a company domiciled in the Republic of Colombia and belonging to the same corporate group, as an external agent. Contracts, credit transfers, payment confirmations, coverage and commissions are finalized directly between the user and CORESOFTS.A., under applicable Colombian regulations. EFY does not participate in the origination, administration, custody or collection of credits, nor does it guarantee debtor solvency, terms, rates, discounts, delays or recoveries. It is up to the user to review the terms and conditions of CORESOFT S.A. and to evaluate credit, operational and legal risks.
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‍(iii) Membership in the same group without solidarity or mandate. Although CORECREDIT S.A. (Panama) and CORESOFT S.A. (Colombia) are part of the same group as EFY, each entity operates independently and is solely responsible for its products/services. The exhibition of shared brands, unified interface or integrated navigation does not create a mandate, joint venture, consortium, partnership, representation, agency or solidarity between EFY and external agents. EFY assumes no responsibility for the quality, lawfulness, suitability, continuity, accuracy of information, contractual execution, financial performance or results of operations offered by such third parties.
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‍(iv) Fiat accounts provided by Zenus Bank (Puerto Rico). By way of example, the Page may show links to bank account services provided exclusively by ZenusBank (jurisdiction of Puerto Rico). In these cases, EFY acts solely as a project manager, without taking deposits, without access or control over funds and without establishing a bank-client relationship with the user. The opening, maintenance and closing of accounts, as well as fees, limits, FATCA/CRS, KYC/AML checks, security measures, channel availability, and applicable coverage/insurance (if any), are governed solely by Zenus Bank's policies and contracts and by Puerto Rico regulations and other relevant regulations. EFY does not guarantee account approval, continuity of service, or deposit insurance coverage; the user must verify the existence and extent of any deposit protection, and accept the bank's terms before contracting.
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‍(v) Exchange-IRFQ (Request-for-Quote). The Page may include access to a request for quotation (RFQ) mechanism for purchasing/selling digital assets with one or more liquidity providers. The service does not constitute a stock market, multilateral trading system or open order book; quotes may be indicative, subject to Slippage, latency, fees and limits. Restricted access for Bolivian people (citizens/residents or located in Bolivia), as well as for users who attempt to bypass geo-blocks through VPNs, proxies or other mechanisms. Use is conditioned on KYC/AML, penalties (OFAC and equivalent), proof of source of funds, operating limits, and local user compliance. EFY does not guarantee execution, price, depth, or counterpart, and assumes no liability for irreversible loss due to network/address errors or third-party failures.
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‍(vii) Territorial limitations, compliance and data. The links and offers described may be territorially limited and will only be available to users who meet the regulations and eligibility of each jurisdiction (e.g., Panama for investment with CORECREDITS.A.; Colombia for factoring/confirming with COSOFTS.A.; Puerto Rico for banking services provided by Zenus Bank), excluding territories where authorizations not obtained or where there is a prohibition/restriction. When leaving the EFY domain, the processing of personal data is governed by the policies of the corresponding third party. EFY may modify, suspend or remove these links/notices at any time for regulatory, technical or business reasons. The user is responsible for verifying applicable taxes, foreign exchange obligations, documentary requirements and local restrictions before contracting with any third party.
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‍(vii) Partnership in Bolivia — Limited scope and prevalence of partner bank terms. EFY FINANCE maintains a commercial and/or operational association with a bank domiciled in the Plurinational State of Bolivia for certain products and/or features that They could be referenced from the Page. Only The operations expressly channeled Through said partnership —according to the official description that are included in the contractual documentation and materials of the partner bank — shall be understood to be covered by the scope of that relationship. Any operation, product or service not described within such an association not It is contemplated by these Terms and Conditions Not even for the services of EFY; consequently, its contracting, execution, commissions, limits, KYC/AML, data protection, availability, liabilities and claims They will be governed exclusively By the contracts, regulations, policies and channels from the partner bank, prevailing these versus any general communication from EFY. EFY It doesn't capture deposits, no assumes obligations of a financial institution in Bolivia, not guarantees approvals, deadlines, returns or coverage, and not is responsible for the content, continuity or performance of the partner bank. The user must Read and accept the bank's terms and observe the regulatory and exchange restrictions applicable in Bolivia formerly to operate.

7. Warranties and Statements
‍By requesting the opening of a user account for the Services, the interested party, by the mere fact of doing so, will be declaring, guaranteeing and accepting the following:
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a) All information submitted will be true and accurate and you undertake to keep it that way at all times, as well as to update it when it changes and/or is requested by EFY Finance.
b) It has the necessary powers and authorizations to establish the legal relationship derived from the use of our Services and has the legal capacity to comply with the established Terms and Conditions.
c) Neither the User as the account holder, nor their representatives, directors and shareholders reside in countries or territories considered to be at high risk according to the competent authorities in the Republic of Salvador, the International Financial Action Group or our internal policies. You also agree to access our Services from countries and jurisdictions other than those mentioned.
d) The use of our services will at all times comply with applicable laws and regulations.
e) Neither the User as the account holder, nor their representatives, directors and shareholders are directly or indirectly involved in activities that are illegal or considered to be high-risk according to the competent authorities in the Republic of El Salvador, the International Financial Action Group or our internal policies. In addition, the User has no relationship with persons linked to judicial proceedings or restrictive lists related to illegal activities.
f) The User as the owner of the user account of the Services, as well as their representatives, administrators and shareholders, declare that they are not linked to judicial processes and/or investigations and/or restrictive lists related to money laundering, the financing of terrorism, the proliferation of weapons of mass destruction, child prostitution, acts of corruption, transnational bribery and other illegal and/or illegal activities. In addition, the User and their representatives, administrators and shareholders declare that they are not directly or indirectly related to persons who are linked to judicial processes and/or investigations and/or restrictive lists related to money laundering, the financing of terrorism, the proliferation of weapons of mass destruction, child prostitution, acts of corruption, transnational bribery, other illegal and/or illegal activities.
g) That the holder of the user account of the Services, as well as their representatives, directors and shareholders, will take all measures to prevent them, their agents and employees from using or paying sums of money, or using or delivering gifts, for illegal and/or inappropriate purposes such as bribes, incentives or incentives in order to secure unjustified benefits for or on behalf of EFY Finance and/or its related companies, nor will they engage in any conduct that could be considered as an act of corruption or bribery transnational.
h) That the holder of the user account of the Services, as well as their representatives, directors and shareholders are not related in any way to the activities listed below, nor are their funds or resources linked to or derived from them:
I. Sexual Services - Includes, but is not limited to, pornography, prostitution, sale of sexual accessories, escort agencies, etc.
II. Auction Services - Means online auction services and pawn shops.
III. Controlled substances and drug paraphernalia - Includes, but is not limited to, activities related to manufacturing, marketing or any other type of management directly or indirectly related to narcotics, prescription drugs, steroids or paraphernalia or related accessories, unless they are authorized by the jurisdiction in which the activity is carried out and have the appropriate license, when applicable. It also includes, but is not limited to, activities related to equipment or material that is intended to make, use or conceal illegal drugs.
IV. Cyber Blocking Services - Includes, but is not limited to, activities related to marketing or any type of management related to devices that are designed to block or interfere, without authorization, with cellular and personal communication services, government radars, global positioning systems and wireless network services.
V. Gambling Services - Includes, but is not limited to, sports betting, casino games, horse racing, games that can be classified as gambling, bookmakers, lotteries, bingo, online gambling or other activities that facilitate any of the above, unless authorized by the jurisdiction in which the activity is carried out and have the corresponding license, when applicable
I SAW. Illegal Activities - Businesses or transactions that may be related to any form of illegal activity, including, but not limited to, money laundering, terrorist financing, human trafficking, or political corruption or transnational bribery.
VII. Activities that infringe intellectual property - Includes, but is not limited to, activities related to manufacturing, marketing, or any other type of management directly or indirectly related to goods or services that infringe or violate any copyright, trademark, or property rights under the laws of any jurisdiction. This includes the sale of counterfeit items and unauthorized replicas or copies of items, and applies to both physical and virtual items.
VIII. Precious metals and jewelry - Sale or trade of precious metals (coins, ingots, etc.), gemstones and fine jewelry.
IX. Multilevel Schemes - Pyramid and Ponzi schemes, multilevel marketing programs, wealth building programs, pay-per-click schemes, and other similar programs that are not traditional, legitimate businesses.
X. Data hijacking (ransomware) - Ransomware services, including illegitimate response to cyber incidents and illegitimate response to data breaches.
XI. Fictitious banks and financial institutions (e.g., shell banks) - Banks or other financial institutions registered in a jurisdiction where they have no physical presence.
XII. Unlicensed financial or monetary services companies - Any financial and monetary services business that is not licensed in the jurisdiction in which they operate, unless a license is not required in the respective jurisdiction to carry out such activities.
XIII. Weapons - Includes, but is not limited to, activities related to manufacturing, marketing, or any other type of management directly or indirectly related to manufacturing, constructing or assembling weapons of any type, including, but not limited to, firearms, ammunition, explosives, or related accessories.
i) The Services will not be used to carry out any type of activity related to the activities referenced in the previous paragraph.
j) The Services will not be accessed by automated means of any kind without the prior and express consent of EFY Finance.
k) The holder of the user account of the Services will, at all times, comply with the applicable legal provisions and with the provisions of these T&C.
l) It will be the sole responsibility of the holder of the user account of the Services to manage and safeguard the appropriateness and veracity of the information provided through the Services, as well as to maintain custody in relation to the user and access code associated with the corresponding account. It will be understood, in any case, that any access and/or use of the Services using the user and access code associated with the user account of the Services is carried out by the owner of the Services.
m) You will not take any action that could disable, overload or damage the operation, provision of Services and appearance of the Services, or to use the Services for purposes directly or indirectly involved and/or related to illegal, illegal activities and/or that may be considered as risky in accordance with the criteria established at any given time by the competent authorities in the Republic of Colombia, by the International Financial Action Group and/or by the internal policies of EFY Finance.
n) That, by making use of the Services, you acknowledge and accept expressly and unequivocally that: (i) You are aware of the risks associated with digital asset transactions as set out in these T&C; (ii) You will assume all risks that arise from the use of the EFY Finance Services; and (iii) EFY Finance will not be responsible for any adverse risks or results associated with the failure or interruption of the technology used for the operation of the Services unless this corresponds to a duly proven action or omission in court and that is directly attributable to EFY Finance.

8. Registered User Accounts, Security and Verification
When registering as a Registered User and verifying the Account, you must choose a secret password to access it (password or password), and you are solely responsible for keeping it confidential, and therefore responsible for the information and use of your Account. In addition, by registering, you accept the responsibility to maintain control over the security of any information, IDs, passwords or any code you use to access the Platform. Any carelessness or lack of proper diligence on your part in connection with the handling of the above information may result in unauthorized access to your Account by third parties, and the loss or theft of the digital assets or funds held therein. Consequently, the user agrees to be solely responsible for keeping your email address, address and telephone number updated in your Account profile, so that you can receive any alerts or notifications that we may send you. EFY Finance will not be responsible for any loss or damage you may suffer as a result of unauthorized third party access to your Account as a result of hacks or loss of passwords, or for not responding to any alert or notification that we may send you in time. If you believe that the access information to your Account has been compromised, contact us immediately at support@efy.finance, important efforts are made to ensure that any request is answered within 72 (seventy-two) to 48 (forty-eight) business hours from your request. The User undertakes to notify the Company immediately and through the enabled communication channels, in case of detecting and/or becoming aware of any unauthorized use of their Account, as well as of the login or attempts to enter it by unauthorized third parties and/or any other security violation of their Account. The company's staff will never ask the User to disclose their passwords.

Account verification consists of you providing personal information so that EFY Finance can verify that whoever claims to be registering on the Site is indeed the person they say they are and can validate that the origin of the funds traded by that person is legitimate and that they belong to them. For this purpose, EFY Finance has tools that allow it to obtain this result and in particular there will be a difference between those who wish to access one or another service offered by the platform, depending on the risk and relevance of the amounts traded through the Site or platform. EFY Finance saves, as the case may be, and at its own discretion, the determination of the level of risk of the service offered, the amount from which it considers relevant, as well as the denomination of this amount, and it also reserves the right to modify these conditions at any time at its discretion, which will be available to the User and published on the Site or platform and can be consulted by the User at any time and especially prior to registration, verification and acceptance of conditions. EFY Finance reserves the right to request all the information it deems pertinent and necessary for the User to operate any of the services it provides. EFY Finance also has the exclusive right to decide which Users can operate the services it provides. If you find or suspect any inappropriate activity related to your Account, EFY Finance may request additional information from you, including document authentication, or freeze transactions for review. The user will be obliged to comply with these requests, or you accept that otherwise your Account will be closed. Also, given these facts, you should immediately contact EFY Finance as indicated in the “Contact” point below.

The Account is personal, unique and non-transferable, and it is forbidden for the same Registered User to register or hold more than one account, or to allow third parties to access the services offered by EFY Finance through their account, without the relevant prior authorization from EFY Finance. If EFY Finance detects different accounts that contain matching or related data, it may cancel, suspend or disable them, without giving rise to any right to compensation or compensation for said User. The Registered User who violates any of these rules may be removed from our Site or platform, with the consequent closure of their Account, in addition to being responsible for losses incurred by EFY Finance or any other Registered User of the Site, or any person in general, and that have been the result of these violation (s). Despite having strict security controls on the Site, the User declares that he will not use external accounts or help third parties to gain access to them without prior and express authorization from EFY Finance.

9. Transactions and use of platform services
The Platform aims to provide digital asset deposit and staking services, which can be carried out by uploading digital assets to your wallet through two methods: (i) transfer of digital assets from another wallet owned or used by the user to your wallet within the platform, and (ii) purchase on the platform's Marketplace efy.finance. Under this second modality, Efy Finance offers the brokerage service for the purchase and sale of digital assets provided by our partners. The prices of these digital assets are set in fiat currencies and vary depending on the country from which the transaction is carried out.
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Users voluntarily accept that purchases made through the Marketplace available on the platform will be deposited exclusively in their wallet within the same platform. However, they will be able to make withdrawals of their digital assets at any time, subject to the fees and the T&C established here.
It should be noted that digital assets that can be deposited on the Platform are strictly listed on the Platform itself. The User understands and accepts that the company is limited to offering the service of buying and selling digital assets, but that there is no impact on their value and/or volatility and/or characteristics.
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Under the sole will of the company, other additional digital assets may be added, as well as, one or more of those currently offered may no longer be supported, if deemed appropriate. Under no circumstances is it an obligation for the company to add or stop supporting other digital assets other than the current ones.
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Users will use the Services on the Platform by issuing instructions for the purchase, sale, exchange, exchange, and custody of Digital Assets through the Platform (the “Instruction”). By issuing an Instruction, the User accepts that once it has been executed through the Platform, said transaction is irreversible and cannot be canceled.
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The company may establish minimum and/or maximum amounts for Instructions with Digital Assets, which can be consulted on the Platform when issuing an Instruction. Instructions will not be accepted for transactions below or above the established minimums and maximums.
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The User accepts that when issuing an Instruction, he is solely responsible for determining whether such a transaction is appropriate in accordance with his financial situation, financial capacity and/or risk tolerance, and that he has read and understands the risks involved in carrying out transactions with Digital Assets. The User acknowledges that all the Instructions issued are issued at their sole discretion and at their own risk. EFY Finance does not assume any type of responsibility derived from errors made by the owner of the user account associated with the Services when providing the data that, at any given time, is required for the purpose of carrying out the transactions that, with respect to digital assets, are carried out through the Services. Therefore, the holders of user accounts related to the Services are responsible for acting with the utmost diligence when carrying out operations through the Services. By using the Services, the User accepts and acknowledges that the company may not be able to cancel or modify an Instruction before it is executed. Consequently, any attempt to cancel or modify an Instruction will not be recognized by The Company, unless such Instruction is expressly approved by The Company. The company will make its best efforts to execute all Instructions, but it does not guarantee the execution of any type of Instructions and/or the execution of the same for a specified price or amount; and The company reserves the right not to execute Instructions in the following circumstances: (1) The Instruction is contrary to these T&C, the laws, regulations, rules or policies of The Company, or involves the commission of any unlawful act, including but not limited to, money laundering or terrorist financing, fraud, fraud or fraud; (2) an interruption or technical failure in the Services or a premature closure of operations; (3) force majeure, fortuitous event, war (declared or undeclared), terrorism, fire or decision on the part of a Digital Asset platform or service provider, regulatory or governmental authority that prohibits, interrupts, restricts, alters the terms of use and/or trading of the corresponding Digital Asset; and/or (4) security violations of the Platform.
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The company may set monthly and annual operating limits in order to maintain standards for the prevention of money laundering and terrorist financing (PLD/FT). In the case of requesting an extension of the operating limit, or any concerns regarding Compliance issues, the User should contact support@efy.finance. Efy Finance dedicates significant efforts to ensure that any request is answered within a maximum period of 72 (seventy-two) business hours from the date of your request. The user understands and accepts that, for operational reasons and within the time slots with the highest trading volume, the company may compensate their transaction with that of other users, ensuring that they do not alter the instructions made. The user understands that this compensation may be necessary to ensure an efficient and effective transaction. The company is committed to carrying out this compensation fairly and fairly for all users involved. The company states that it will be responsible for any loss or damage that may arise as a result of the said compensation. Notwithstanding the foregoing, if the corresponding transactions could not have been carried out as a result of causes directly attributable to EFY Finance, EFY Finance will maintain costs, fees and commissions associated with the use of the Services that were in effect at the time of the initial transaction requested by the holder of the account associated with the Services that could not have been carried out as a result of causes directly attributable to EFY Finance. The digital assets acquired by the holders of the user accounts through the Services of the Site or the platform will be in the custody of EFY Finance in collaboration with partners with recognized suitability, and who have adequate mechanisms to ensure the security of the digital assets acquired through the Services. To learn more about this partner, click on the following link. The digital assets acquired by the user account holder will be reflected in the virtual platform provided through the Services, through which the user can order the corresponding purchase/sale transactions, in accordance with the conditions offered at all times in the same and, in any case, subject to the provisions of these T&C. The costs, fees and commissions associated with the use of the Services at any time will be provided through them and/or through the communication channels provided for in these T&C and will be updated periodically so that, from the corresponding update, they will be applicable to all operations carried out after that time. Holders of user accounts related to the Services are responsible for verifying this information periodically and, in particular, with integrity when carrying out any operation through the Services. If the user account holder wishes to transfer the digital assets acquired through the Services to a digital wallet or similar product offered by a third party, he may, at any time, instruct EFY Finance to, subject to the conditions set out in these T&C, the applicable risk policies and current regulations governing the matter, to do so in accordance with the corresponding costs and commissions published on the Site or platform, which will be available for consultation at at all times, especially before performing each operation. We reserve the right to refuse any transfer to your Wallet, in which case we will transfer the same amount of the relevant Digital Asset to the wallet from which it was sent.

10. Mandate
With the acceptance of these T&C, the owner of the user account associated with the Services instructs EFY Finance to carry out the tasks so that, on their behalf and on behalf, directly and/or through third parties, it performs each and every step necessary to carry out the operations associated with the Services in accordance with the provisions of these T&C, which includes, but is not limited to (i) receiving the funds provided by the user account holder for the sole purpose of complying with the instructions for the same in relation to the purchase of digital assets in your name and on your account; (ii) purchase/sell digital assets in the name and on behalf of the user account holder at the rates provided through the Services in accordance with the provisions of these T&C; (iii) receive, in the name and on behalf of the user account, the amounts derived from the sale of the digital assets made following the instructions of the account holder, for the sole purpose of and keeping them until appropriate with the transfer of the same to the owner in accordance with the instructions that the owner has provided for this purpose; (vi) sending the digital assets acquired by the account holder to be held by EFY Finance's allies and to proceed with the withdrawal of them when the account holder requests to proceed with the sale of the same; (iii) all those instructions that, through the Services, are given by the account holder in accordance with the options provided for this purpose to through them, and (iv) all those procedures that, being associated with the Services, must or can be carried out in the name and on behalf of the account holder in accordance with the provisions of these T&C.

The mandate conferred here will be irrevocable, and will end once the legal relationship that arises between the parties as a result of the acceptance of these T&Cs has ended. The mandate conferred here will be remunerated in accordance with the corresponding costs and commissions in accordance with the provisions of these T&C.

In the case of purchase/sale of digital assets in the name and on behalf of the account holder, the current rates provided through the Services will apply and, if there is a difference between them and the final purchase/sale price to the corresponding third party, this will be understood as remuneration.

11. On brokerage in the sale of digital assets.
The User when clicking on the button “buy” found in the Marketplace of the platform accepts, declares, orders and orders Efy Finance to buy/sell digital assets on its behalf at the rates provided through the Services in accordance with the provisions of these T&C and according to the information provided in the purchase instruction regarding the quantity of digital assets, the price and the provider from which you wish to purchase them. Therefore, the user accepts that he is solely responsible for ensuring that the information provided in the purchase instruction is correct. Please note that the price for which the User proceeds to trade digital assets through the Platform is the one that appears in the Platform's Marketplace at the time of carrying out the transaction, within the corresponding section at https://efy.finance. It should be clarified that the price that appears varies and may differ from the moment you enter the Platform until the moment the transaction is carried out. In some cases, the purchase and sale price of each digital asset may even be simply displayed. This does not mean that the company acts as a bidder or plaintiff, but rather it will simplify or limit Users' trading options. The User consents and accepts that the company, in no way, is the one who sets the prices of the digital assets offered on the Platform. Their price may vary according to each supplier, the volume of market operations, supply and demand, as well as any other exogenous factor that may affect prices.

12. Retreats.
Through the Platform, the User may issue Instructions for making withdrawals in Digital Assets, in accordance with the Bitcoin Service Provider license. A withdrawal made in Digital Assets will be made to the Wallet specified in the Withdrawal Instruction. Some Wallets require additional information to process the transaction, this must be provided by the User in the Withdrawal Instructions where appropriate.

The User is solely responsible for ensuring the accuracy of the information included in the Withdrawal Instructions, including account number, bank account number, Wallet address, destination label and any other confidential or non-confidential information that the company requests, depending on the type of withdrawal requested by the User. The company will not be able to cancel any Withdrawal Instructions once they have been initiated.

The company does not guarantee the deadlines within which withdrawals of Digital Assets or Trust Currency will take effect, which may be delayed or unavailable for reasons not attributable to the company. In the event that the User does not provide a valid, enabled bank account, or it is provided with an incorrect or incomplete account number, the currency of the wrong account, is destined for a wallet that is on a different network or any other reason that will make it impossible to carry out the correct operation, the withdrawal cannot be executed until the necessary requirements are met.

The company will not be responsible in the event that the User is temporarily unable to withdraw their funds because the recipient bank will request information, additional documentation, or for any reason provided by the recipient bank. The User is solely responsible for the contractual relationship they have with the bank or virtual wallet to which they send their funds to be withdrawn.

Improper retention is not executed when the User wishes to execute a withdrawal and their profile is disabled because it is incomplete or for some reason for suspension. The company is not responsible for the destination of digital assets. Manual balance withdrawals will not be made to third parties not registered on the Platform.

The company reserves the right to freeze account balances and prevent the transfer to third parties or withdrawals by Users in the event of any type of judicial request or government agency that requires it, as well as in the event that an alert for money laundering is detected related to the wallet where the transfer is destined. The user acknowledges and accepts that, to the order of withdrawal or transfer to an external wallet, the corresponding fees will be applied according to the current rates established by the platform. These rates will be available on the platform for consultation at all times, and especially before carrying out any transaction.

13. Transfer of digital assets
Users of the platform will be able to transmit allowed Digital Assets to each other free of charge and at any time. Users agree that the transfer of Fiat Currency or other transactions not established in these Terms and Conditions (T&C) is expressly prohibited. We will process all Digital Asset Transfers in accordance with your instructions and we do not guarantee the identity of any recipient. You will need to verify all transaction information before submitting instructions for a digital asset transfer to Efy Finance. The transfer of digital assets cannot be canceled or reversed once it is processed by Efy Finance. You acknowledge that you are responsible for ensuring the accuracy of the instructions sent to Efy Finance and that any error may result in the irreversible loss of your Digital Asset. You must have sufficient Digital Assets in your Wallet before telling Efy Finance to make any Digital Asset Transfer.

In the event of insufficient relevant digital assets in its digital asset portfolio, Efy Finance will refuse the transfer of digital assets. By telling Efy Finance to carry out the Digital Asset Transfer, you authorize Efy Finance to debit your Wallet for the total amount of Digital Assets needed to complete the Digital Asset Transfer. We have no control or responsibility for the delivery, quality, security, legality or any other aspect of any good or service that you may buy or sell to a third party. We are not responsible for ensuring that a third-party buyer or seller with whom you are transacting completes the transaction or is authorized to do so. If you experience a problem with goods or services purchased or sold to a third party, using Digital Assets transferred from your Wallet, or if you have a dispute with that third party, you must resolve the dispute directly with that third party.

14. Commissions
The Services offered through the Platform may be subject to Fees. These Fees are available to the User and published on the Platform and can be consulted by the User at any time and especially prior to each transaction.

15. Limitation of liability
Under no circumstances will EFY Finance, nor any of its officers, directors and employees, be liable to The User for anything that arises out of or is related in any way to your use of this website, whether such liability is contractual, non-contractual or otherwise, and EFY Finance, including its officers, directors and employees, will not be responsible for any indirect, consequential or special liability that arises from or is related in any way to your use of this website and above all:
A) Efy Finance will not be responsible in the event of damage or interruption of the Platform service due to causes external to the company. In addition, you will not be responsible for damage or interruption caused by any computer virus, spyware or other malware that may affect your computer or other equipment, or any phishing, spoofing or other type of attack. If the User distrusts the authenticity of a communication that purports to be from The Company, they must not accept it and must notify The Company through the communication channels enabled. The User must always access the Platform through the means indicated on the page https://efy.finance/
B) Efy Finance will not be responsible, nor will it be considered to have breached these T&C, for any breach or delay in the performance or performance of its obligations, in the event and to the extent that such breach or delay is related to situations beyond its reasonable control, including, but not limited to: force majeure; flood, fire, earthquake or explosion; war, invasion, hostilities (whether declared war or not), terrorism, piracy or threats, computer attacks or acts or other civil disturbances; legislation, statutes, ordinances, rules, regulations, judgments, court orders, orders and decrees; or the action of any Nation or Government, State or other political subdivision of the State, any entity that exercises legislative, regulatory, judicial or administrative functions of or related to the government, including, without limitation, any governmental authority, agency, department, board, commission or council.
C) Access to the Services may be partially or totally limited during conditions of high demand, volatility or increase in volume. As a result, there may be certain limitations on access to the Platform, including the impossibility of issuing Instructions, which could also lead to delays on the part of the company in providing care and support to the User. Under no circumstances will the company be responsible for any interruption, failure or delay in the acceptance, execution or cancellation of any type of Instructions as well as for the stability of the Platform, interruptions in the Services, delays in the processing of transactions or in the response of our support agents due to such circumstances.
D) Each User will be responsible for all tax and/or legal obligations and charges that correspond to their operations carried out on the Platform, without any liability deriving from Users' breaches of compliance with the company. The company is not responsible for effective compliance with tax or tax obligations established by current law and/or any other obligation that arises from the use of the Platform by Users.
E) The User accepts that when making a withdrawal in a Digital Asset, they are aware of the risk of transmitting/sending Digital Assets to the wrong destination account, which may result in the irreparable loss of their Digital Assets. The company will not be responsible in any of these cases.
F) Both for the shipment and withdrawal of Digital Assets, the User must select the Network that is compatible at source and destination for them to arrive correctly. It is important to use the correct Network compatible with our platform, otherwise you run the risk of losing Digital Assets. The available networks may vary and even generate commissions that will be borne exclusively by the customer, which are charged by the Network and not by the company. The company will eventually only charge fees for transfers that are sent from the app and under the concept of keeping compatibility with the different networks available. The company does not accept transfers made through any type of Bridge.
G) In the event that the User mistakenly sends Digital Assets that are not listed on the Platform, they cannot be reflected in their account. To request their conversation, the User must contact the Support team within 30 days and submit all the data from the transfer.

16. Absence of financial advice
Efy Finance does not provide financial advice, investment advice, or legal assistance in connection with the Services. The company can provide information about the price, range, volatility of Digital Assets and events that have affected their price, but such information should not be considered investment or financial advice and should not be interpreted as such. Any notification, Email, Push, Social Media Post, is for informational purposes only. Any decision to buy and/or sell Digital Assets is a decision of the User and the company will not be responsible for any loss suffered.

17. Intellectual Property Rights
Apart from the content you own, which you may have chosen to include on this website, under these Terms, EFY Finance and/or its licensors own all rights to the intellectual property and material contained on this website, including but not limited to source codes, software, texts, graphics, logos, distinctive signs, animations and sounds, are the exclusive property of EFY Finance and all such rights are reserved. Therefore, the total or partial reproduction of them (including their translation, inclusion, transmission, storage or access through any medium) without prior written authorization from EFY Finance is strictly prohibited and you are only granted a limited license, subject to the restrictions established in these Terms, to view the material contained in this website. In accordance with the foregoing, the development of reverse engineering, as well as any other method that seeks to extract the codes and other technological aspects related to the Services, is prohibited. In the same way, none of the Services may be extracted, changed, leased, distributed, sold and/or licensed. By using the services, the User guarantees that: (i) He will be responsible for any improper, illegal or abnormal use he makes of the contents, information or particularities of the Services; (ii) He will not attack in any way, directly or through an intermediary person, against the Services, their information systems nor will he interfere with their normal functioning; (iii) He will not alter, block or perform any other act that prevents you from displaying or accessing any content, information or peculiarities of the Services; (iv) You will not engage in unlawful conduct equal to or similar to computer damage or attacks, interception of communications, copyright infringements, identity theft, disclosure of secrets or falsehood in documents, among others; (v) You will hold EFY Finance harmless from all damages or losses that, as a result of non-compliance with the provisions of this section, may have been caused directly or indirectly, which will include reimbursement for all costs, losses and damages related to that claim.

18. Privacy
The processing of data that is carried out as a result of and/or in relation to the Services will be governed by the provisions of our Treatment Policy, which will be understood to be incorporated into these T&C for all legal purposes.

19. confidentiality
By “Confidential Information”, we mean all information that is communicated to you, by any means, by EFY Finance or its collaborators in relation to the services. This includes, but is not limited to, any technical, scientific, financial, legal, fiscal and commercial information, business models and strategies, know-how, information related to clients and partners, EFY Finance projects and operations, as well as analyses and working documents, compilations, comparisons, studies and, in general, all information that EFY Finance transmits or has transmitted before or after the use of the Services.
Any unauthorized disclosure and use of Confidential Information entails an obligation to answer to EFY Finance and third parties for any damages that, as a result, may have been caused to them. In accordance with the above, EFY Finance will have the right to make a legal claim and to obtain compensation for the damages caused by such disclosure and unauthorized use.

20. Risk-taking associated with digital asset transactions
Whoever makes use of the Services, just by doing so, chooses freely, autonomously and voluntarily to participate in operations that involve the risks inherent to activities carried out with digital assets through technological platforms.

EFY Finance, in carrying out activities related to the Services, has implemented processes and procedures aimed at ensuring the greatest possible security for users of the Services. Notwithstanding the foregoing, this does not imply that the Services are immune to the various risks of carrying out operations with digital assets with characteristics the same and/or similar to those that are the subject of the Services, including, but not limited to, technological failures, failures associated with the use of blockchain technology and any type of actions and/or computer elements used to commit crimes and/or computer crimes.

Therefore, it is understood that whoever makes use of the Services, by the mere fact of doing so, recognizes that they are aware and understand the various risks of carrying out operations with digital assets with characteristics the same and/or similar to those that are the subject of the Services, including, but not limited to, technological failures, failures associated with the use of blockchain technology and any type of actions and/or computer elements used to commit crimes and/or computer crimes. By accepting these T&C, it is understood that the User freely, autonomously and voluntarily assumes and accepts these risks.

Whoever makes use of the Services, just by doing so, understands and recognizes that the value of digital assets can be volatile and that, therefore, EFY Finance is not and will not be in any way responsible or guilty for any losses they may suffer as a result of the foregoing.

Taking into account the current state of regulation of digital assets, it is possible that the T&C, as well as the Services, may be subject to possible changes depending on the regulation that is issued at any given time on the subject.

EFY Finance, as a result of its commitment to compliance with applicable laws, will make the necessary changes or modifications for this purpose and will communicate this to the users of the Services in advance. EFY Finance does not provide or offer financial services or carry out any type of activity specific to financial institutions that require authorization for their operation.

21. Fork
The Platform has no control or influence over the base protocols (called “Protocols”) that support the operation of the listed Digital Assets. Therefore, the Platform will not be responsible for the operation of the Protocols, nor will it guarantee their operation, security or availability. In addition, Users recognize that the Protocols may undergo modifications in their operating rules (“Forks”) and that such modifications may significantly affect the value, utility and availability of Digital Assets whose protocol is being modified. In the event that a Fork occurs affecting one of the Digital Assets listed on the Platform, the User accepts that all operations related to that asset are temporarily suspended (with or without prior notice from the Platform) and that the Platform, at its discretion, decides to operate or stop operating the underlying Digital Assets that are generated by the modified Protocol through a Fork. The User acknowledges and accepts that the Platform: 1) is not required to list the new Digital Assets generated by a Fork, and 2) will not assume any responsibility for any damage caused as a result of a Fork not supported by the Platform. If the Platform pronounces negatively or does not pronounce itself at all about a possible Fork in one of the Supported Protocols, and a User wishes to participate in the outcome of said Fork, the User must remove the Digital Assets of the affected Protocol from their Account and transfer them to a wallet that supports the Fork BEFORE the scheduled date for the Fork. The Platform will not assume any responsibility for any attempt to use the Services for Digital Assets that are not supported. The Platform reserves the exclusive right to decide which Digital Assets will be offered. Therefore, the Platform may, at its discretion, add other Digital Assets in addition to those it currently supports or stop supporting one or more of the Digital Assets currently offered.

22. Suspension or cancellation of the User's Account and its implications
The company reserves the right to cancel or suspend the User's Account in the following cases: (i) if the User reports a breach of security and/or confidentiality of their Account in accordance with the established T&C, (ii) in response to a court order or a competent authority, (iii) in case of well-founded suspicion of fraud, illegal use or prohibited use at the company's sole discretion, (iv) if the User does not provide the data, information and/or documentation required to open and/or maintain the Account, (v) for breach of these terms and conditions and/or the company's Privacy Policy. (vi) in the absence of movements in the Efy Finance Account for a period of 360 (three hundred and sixty) calendar days; In the event of suspension or cancellation of the Account, the company will notify the User by means of an email sent to the email address registered in the Account. In the event of suspension or cancellation, the User will not be able to carry out new transactions, with the exception of those aimed at withdrawing their assets, assuming the costs generated by such transactions. If the suspension or cancellation involves a retention order issued by a competent authority, the User will not be able to withdraw their assets, and the company will not be responsible for any damage or harm that this situation may cause to the User.

In the event of the death or subsequent incapacity of the User, the heirs or legal representatives must submit the documentation requested by the company in order to access the Account. Until the precautions required by the company to grant access are verified, the Account will remain suspended. Once the requirements have been completed, the company will give access to the Account to those authorized for the sole purpose of withdrawing the assets registered in the Account and closing it.

23. Closing the Account at the request of the user.
In response to the User's request to close their Account through the Application https://efy.finance or through the designated communication channels, said Account will be canceled. It is important to note that the account will be closed as long as there is no balance in any of the associated wallets. Otherwise, the User must withdraw all the funds and request closure again. The Account will be closed automatically and will be notified prior to confirmation of the closure. Once closed, it will not be possible to create a new account or reactivate the old account. However, the request for closure cannot be processed if the company receives a reliable notification from a competent authority ordering the retention or other similar measure that restricts the availability of the Account. The User's information and the transactions made on the Account will be kept stored for the entire life of the Platform or, at least, for a period of 15 years from the time of closure. Subsequently, the company will determine when such information is no longer necessary or relevant for the purposes for which it was collected.

24. Taxes
Whoever makes use of the Services will be solely responsible for paying all taxes, fees, contributions, duties and fees applicable to activities derived from them, provided that they are not expressly attributable to Efy Finance by law. In accordance with the foregoing, whoever makes use of the Services will be solely and exclusively responsible for reporting and reporting to the competent tax authorities on the proceeds of the transactions carried out through the Services in accordance with applicable law. The foregoing, without prejudice to the possibility that Efy Finance provides relevant information on the matter to the competent authorities in accordance with the applicable legislation for this purpose. Efy Finance does not provide any type of tax advice, so whoever uses the Services will have the sole burden and responsibility of determining the tax implications associated with their use.

25. Invoice
Whoever makes use of the Services, for the sole purpose of doing so, voluntarily recognizes and accepts that, in relation to the formal duty to issue electronic sales invoices in accordance with the provisions of current regulations that regulate the matter, they authorize Efy Finance to deliver the electronic invoices that must be issued in relation to digital assets that are purchased through the Services through the “Efy Finance” platform and/or application, through which the Services, as set out below.

The date from which the provisions of this clause will be considered applicable will be the effective date of these T&C and will apply to electronic invoices that must be issued in relation to digital assets that are purchased through the Services through the “Efy Finance” application that have not been issued by that date.

The provisions of this clause will have as reasons for termination those provided for in these T&C for the cancellation of the Services. Therefore, the provisions of this clause will remain in force as long as the Services continue to be used by the corresponding user.

For the sake of clarity, it is understood that those involved in the electronic invoicing process referred to in this clause will be: (i) The user of the services as the purchaser; and (ii) Efy Finance as obligated to invoice. In addition, Efy Finance will use the providers authorized to issue electronic invoices that it considers at all times.

The provisions of this clause apply in relation to digital assets that are acquired through the Services through the “Efy Finance” application, the same through which the Services are available.

Efy Finance will issue the electronic invoice electronically in accordance with its internal processes and, once issued, will make it available to the acquiring user through the Services.

In addition, Efy Finance will publish the electronic invoice related to the sales referred to in this clause in the Services once the sale is completed. It will be the responsibility of the acquiring user to consult the corresponding electronic invoices through the Services.

Finally, once Efy Finance proceeds with the delivery of the electronic invoice in the terms provided for here, the acquiring user can verify the information in the same in order to determine if he wishes to reject it or not. If the acquiring user does not expressly indicate that they reject the invoice within 3 business days following the delivery of the invoice through the means enabled for this purpose through the Services or, failing that, by means of a communication sent to the communication channels provided for in these T&C, it will be understood that it has been accepted.

The electronic invoices related to the sales transactions referred to in this clause will be kept by Efy Finance and by the suppliers authorized to issue electronic invoices that are used at all times, guaranteeing in any case their suitability and veracity.

The electronic storage format will be: (i) for the graphic representation of the electronic invoice, the PDF format will be used; and (ii) for the structured data that make up the tax document for electronic invoicing purposes, the XML format will be used.

Electronic invoices will be available to purchasing users through the Services. If the acquiring user so wishes, they may request a copy of them by means of a communication sent to the communication channels provided for in these T&C.

In accordance with the foregoing, whoever makes use of the Services, understands and expressly accepts that, by accepting these T&C, they exempt Efy Finance from delivering the electronic invoices that must be issued in relation to digital assets that are acquired through the Services through any channel other than the “Efy Finance” application, through which the Services are available.

26. Indemnity
‍The User agrees to compensate, defend and hold harmless the Company and its affiliates and their respective officers, directors, employees, agents, affiliates, successors and permitted assigns (collectively, “Indemnified Party”) from and against any and all losses, claims, actions, judgments, complaints, damages, liabilities, sanctions, interests, judgments, agreements, deficiencies, disbursements, awards, fines, costs, fees or expenses of any kind, including reasonable attorneys' fees, fees and other costs of making enforce any right to compensation under this Agreement, and the cost of searching for any insurance provider, arising out of or related to your breach of this Agreement or your use or misuse of the Services, including, but not limited to, actions taken by a third party using your account.

27. Consent to communication
‍The User gives their explicit consent for EFY Finance to use their mobile phone number and email address for the purpose of providing any information and sending any message and notification in relation to our contractual relationships, including for marketing purposes.

28. No Guarantee
The services are provided on an “as is” and “as available” basis. Use of the services is at your own risk. To the maximum extent permitted by applicable law, the services are provided without warranties of any kind, whether express, implied, statutory, or otherwise, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement. WITHOUT LIMITING THE FOREGOING, THE COMPANY AND ITS LICENSORS DO NOT GUARANTEE THAT THE CONTENT IS ACCURATE, RELIABLE, COMPLETE, OR CORRECT; THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR PLACE, UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT THE SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS. TO THE MAXIMUM EXTENT PROVIDED BY LAW. WE WILL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE TO YOUR COMPUTER SYSTEM, MOBILE DEVICE, DATA OR OTHER PROPRIETARY MATERIAL THAT MAY RESULT FROM THE USE OF THE SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES OR THE DOWNLOAD OF ANY MATERIAL POSTED ON THE SERVICES.

29. Divisibility
If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity will not make these Terms unenforceable or invalid as a whole, and such provisions will be deleted without affecting the remaining provisions of this document.

30. Assignment
These T&C, the legal relationship and the resulting rights and obligations, as well as any rights that arise in the User's Account, may not be assigned, sold or transferred, for any reason and under any capacity, to any other person. In the event that The Company is part of an acquisition, merger, spin-off, transformation or sale transaction with a third person outside or belonging to the same group, the company reserves the right, under any of these circumstances, to transfer or assign these T&C and the legal relationship that unites the User with the company, as well as the User's information as a whole in accordance with the applicable regulations on the protection of personal data.
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31. Assignment
EFY Finance may assign, transfer and subcontract its rights and/or obligations under these Terms without the need for any notification or consent. However, the User may not assign, transfer or subcontract any of their rights and/or obligations under these Terms.

32. Full agreement
These Terms, including any legal notice and disclaimer contained in this Website, constitute the entire agreement between EFY Finance and The User in relation to their use of this Website, and supersede all previous agreements and understandings with respect thereto. The failure of Efy Finance to exercise or enforce any right or provision of these General Terms will not constitute a present or future waiver of such right or provision.

33. Applicable Law and Jurisdiction
The interpretation and scope of these T&C will be in accordance with the current regulations of the Republic of El Salvador. Any divergence that may arise under these T&C or that derives from the use and operation of the Platform, prior to legal action, will be tried through DIRECT TREATMENT in the following way: in the event of a dispute arising in the interpretation or execution of these T&C, the parties will do their best to reach a friendly solution. The party interested in direct dealing must address their request in writing to the other party, specifying the dispute, indicating the appointment of their negotiator and asking for a fixed date, place and time to resolve the specific dispute. Once the request has been received, the other party must respond to the applicant within the next ten calendar days, stating the day, place and time to resolve. If I do not respond to said request within the said period, it will be understood that the party is renouncing the direct dealing phase. This direct deal negotiation will have a period of thirty calendar days starting from the day following the receipt of the request, unless by mutual agreement and in writing, the parties agree to modify this deadline. At the Company's sole discretion, it may require that any dispute be resolved in a Legal Arbitration process administered by the Center for Mediation and Arbitration of the Chamber of Commerce and Industry of El Salvador, subject to the current rules of procedure issued by the same center. The seat of the court will be the city of San Salvador, Republic of El Salvador. The language of the arbitration will be Spanish. In the event that the user is unable or the action is not possible to take place in El Salvador, the applicable jurisdiction will be that of the user who has contracted the service under the legislation of their country.

34. Contact Information
All opinions, comments, requests for technical support and other communications related to the Services should be addressed to support@efy.finance. Efy Finance dedicates significant efforts to ensure that any request is answered within a maximum period of 72 (seventy-two) business hours from the date of your request.

35. Contact the Financial Superintendency
Contact the Superintendency of the Financial System In case of unresolved complaints: in the case of unresolved inquiries within the Salvadoran territory, the user may contact the supervisory body as follows:
Superintendency of the Financial SystemCalle El Mirador, between 87 and 89 Avenida NorteTorre Futura Building, Level 16. San Salvador, El Salvador, C.A.2268-5700 and 2133-2900contacto@ssf.gob.sv


‍eFyCard Terms and Conditions
‍date of update: 16/02/2024

These terms and conditions are specific and apply exclusively to the EFYcard International EFY Finance product. In no case does this imply the inapplicability of the general terms and conditions; rather, these specific terms and conditions are complemented by the general terms and conditions.
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The EFY Finance International EFYCard (the “Card” or the “EFYCard”) and the additional services specified in this document (together with the Card, hereinafter referred to as the “Services”) are developed and provided by Financia Credit with an authorized license from Versatec Technology Inc (“Versatec”) for CORESOFT S.A. (EFY Finance), registered on file 624944, Document No. 1384907, of the Public Registry of the Republic of Panama (“The Partner”) under its VISA Processing Entity and Principal Member license (BID 10061787) 01).
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By accepting this Agreement, which will be carried out electronically following the instructions provided on the Application or Website, you confirm that you have had sufficient time to read and familiarize yourself with its content. You also ensure that you understand this Agreement and agree to comply with all the provisions set out in it.
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In the event that you do not understand or do not agree with specific provisions of the Agreement, we urge you to refrain from entering into such an Agreement. It's important to note that, to avoid misunderstandings, not all of the features described in the Agreement may be available to your account. If you have any questions, we invite you to contact us before accepting the Agreement. By using your EfyCard and other services, you agree to comply with the terms and conditions described below. In accordance with current legislation, it is imperative to verify your identity before proceeding to register you as a User. This verification is based on the information provided during the registration process. In the event that we are unable to confirm your identity or any relevant registration information based on the data provided, we reserve the right to request additional proof of your identity. In addition, we may require you to participate in a brief live telephone interaction with our operators and/or to perform biometric checks or any other additional verification that is necessary to conclusively establish your identity.
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EFY Finance states that all users who wish to apply for the EFYcard card within the territories of El Salvador and Panama must present, in order to carry out the Knowledge of the Customer (KYC) process, their Single Identity Document (DUI) in the case of El Salvador, or their Personal Identity Card in the case of Panama.
For those users outside of El Salvador and Panama, or those who are not nationals or residents of these countries, the presentation of the current passport will be required as an identification document for the KYC process. This measure seeks to adapt to local and international regulations for the prevention of money laundering and terrorist financing, ensuring effective and reliable identity verification.
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Users must ensure that the presented identity document (DUI, ID or Passport) is current and in good condition to facilitate the verification process. EFY Finance reserves the right to require additional documentation if it deems it necessary to successfully complete the identification process. These provisions are established in order to promote security, transparency and trust in the services offered by EFY Finance, ensuring that the issuance and use of the EFYcard card are carried out within a clear identification framework and in accordance with applicable regulations.
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If we are unable to carry out this process, we reserve the right to deny the provision of services or the activation of additional features reserved for registered Users. In addition, in relevant situations, we may inform the appropriate authorities without your knowledge or consent. Your registration as a User will only take place if the results of the KYC process allow us to successfully incorporate you.
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As a requirement to be eligible to use an EFY Finance account, you accept and confirm that you are an individual acting exclusively on your own behalf, in your capacity as a natural person, and you do not do so for commercial purposes or for any other business purpose. In addition, the use of the account is prohibited to: Organize and/or carry out sweepstakes, gambling, sales or exchanges; Violate copyright; Defame natural or legal persons; In a way that may give rise to complaints, disputes, refunds and the creation of other obligations to EFY Finance, other users or third parties; Receive or send funds obtained through fraud or in violation of the law; Perform any activity that contravenes the law; Evade EFY Finance policies, including, among other things, attempts to create accounts additional to exceed usage limits or circumvent EFY Finance's blocking of an existing account. If false or inaccurate information is provided, and/or if any attempt at fraud is identified, we will proceed to register this information with fraud prevention agencies and competent institutions, including law enforcement, as appropriate. Law enforcement agencies will be able to access and use such information, and these records may be shared with other organizations. Both we and other entities can access and use information recorded by fraud prevention agencies across borders. In addition, we reserve the right to block or cancel the Card and terminate the Agreement under such circumstances.
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We take great care of the security of your personal data, also known as “Personal Information”. We are particularly responsible for the security of the confidential data of the eFyCard holders that we process and transmit on their behalf. This data includes, but is not limited to, first name, last name, personal identification number, date of birth, address, email address, telephone number, facial image, live video recording, identity document data and copy of the document, transaction data, PAN, expiration date, CVV, payment account number, IP address, citizenship, employment, public office, and other applicable data required by anti-money laundering and terrorist financing legislation.
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By accepting these T&C, you grant us your explicit consent so that, in compliance with applicable regulations, we can transfer your Personal Information to third parties specifically for the purposes of identity verification (KYC), customer service and sending cards. These third parties may include, but are not limited to, identity verification entities, customer service providers, and logistics companies. By granting your consent for such transfer, the third party in question becomes responsible for the processing of the Personal Information transferred, committing to use such information exclusively for the purposes mentioned above, guaranteeing its protection and confidentiality in accordance with applicable legislation. It is important that you know that you can withdraw your consent at any time, with future effect, using the options available on our Application or Website, without affecting the legality of the treatment based on consent prior to its withdrawal. EFY Finance will process Personal Information for the purposes described in the Agreement, including for contractual reasons, to provide you with the Services, for example, to produce cards for use with the Account and to provide you with Account-related communications, for purposes where We have a legal right or legal obligation, including for tax and accounting reasons, or for the detection of fraud and money laundering and for marketing, when you give your consent.
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In addition, we will process the personal information you have provided to us during the registration process. It is important to note that the provision of personal information during registration is a legal requirement and is necessary to carry out the Agreement. Although providing your personal information is voluntary, it is essential for the provision of the Services. If we do not provide the necessary information and documents, we will be unable to carry out the Services. You have the right to ask us to restrict the processing or deletion of your personal information. If you make such a request, we will apply your instructions to any third party that is processing your personal information on our behalf. In addition, we will consider your request in the light of our legitimate interests. It's important to note that when we receive a request to delete personal information on behalf of a child, we will take special care to consider the impact that any decision may have on them.

How We Use Personal Information:
We use Personal Information for the purpose of ensuring security, verifying identity, communicating with you, providing customer support and complying with legal obligations. Specifically, and in accordance with applicable law, both we and other companies belonging to the business group may use Personal Information to pursue our legitimate interests, including:

1. Perform regulatory controls and comply with our obligations to regulators.
2. Prevent and detect fraud, money laundering and other crimes, such as identity theft
3. We analyze and evaluate personal information to better understand your needs and preferences. This may include behavioral and credit analysis, market research, and the adaptation of our products to provide more personalized and efficient solutions.
4. Inform you about products and services that may be of interest to you through direct marketing. If you choose not to receive such communications, we will provide you with a method to notify your decision and respect your instructions.
5. Develop and improve our Services by evaluating and analyzing Personal Information, which may include credit and/or behavioral scoring, market and product analysis, and market research.
6. We use your personal information to respond to your inquiries, solve problems related to your account or services, and send you cards based on needs that arise in the framework of providing our services.
7. Secure and personalized management of card delivery.

It is important to note that we will never share Personal Information with a third party for use in direct marketing without first obtaining your consent.
Who we may share Personal Information with:
We are committed to keeping personal information confidential, but we may share it with other entities that are also required to keep it secure and confidential. This is done when we have a legal obligation to disclose it, it is necessary to provide you with our Services or for legitimate purposes, including business purposes, as long as your rights or freedoms are not violated. Relying on “legitimate purposes” as a justification for the processing of Personal Information, we will perform an evaluation called a “Legitimate Interest Assessment” and keep a record of it. In particular, and in accordance with applicable law, we may share Personal Information with:

1. Other companies in the same business group to comply with our identification obligations.
2. Our service providers and agents, including subcontractors such as data center providers, card processors and card offices (if a physical card is issued), as well as providers of SMS messaging services.
3. Third parties, including subcontractors, who play roles in providing the Services or supporting your transactions, such as Visa and our partner banks responsible, among other things, for the custody of funds.
4. Any person to whom we transfer or may transfer our rights and duties under the Agreement.
5. Regulators and authorities in the exercise of their functions, such as crime prevention.
6. Fraud prevention agencies: In particular, we will always inform these agencies if false or fraudulent information is provided. In addition, we will allow other organizations, including law enforcement, to access this information to prevent and detect fraud, money laundering and other crimes. For details about the fraud prevention agencies with whom we share information, you can contact us at (leave space for email).

Requirement to update your Personal Information
It is imperative that you immediately notify us of any changes in data and circumstances related to the information set out in the Agreement or the documents you have submitted to us. This includes, but is not limited to, changes in personal or contact data, residence or tax residence, as well as the loss or theft of identity documents, among other reasons that may require updating information. In situations that affect the fulfillment of your obligations to us, such as the initiation of bankruptcy proceedings by a natural person, you must also inform us immediately. We may ask you for documentary evidence to support the notified changes, which you must provide. It is important to note that this notification obligation persists even if the changes have already been made public, such as being registered in a public registry or published through the media. If you do not comply with this notification obligation, EFY FINANCE has the right to assume the accuracy of the available data, unless otherwise provided depending on the jurisdiction of your residence. We may provide you with all information electronically through the website, app, email or mobile phone, unless applicable laws provide otherwise. We reserve the right to use third-party services to process or send you electronic information and notices. In the event that, in accordance with applicable laws and/or this Agreement, you have the right to terminate the Agreement, you must send the notice of termination to support@efy.finance. Unless applicable laws provide otherwise, any notification issued by EFY FINANCE will be considered received on the day of the technical submission if made by email or through the Application or other electronic means of communication.

Using the EFYcard
The eFyCard is an eFyCard, and its validity extends until its expiration date, which is visible on the front of the Card or in the image accessible online for virtual cards and payment bands. To activate plastic cards, follow the instructions provided with the Card. In addition, it is imperative that:
• Do not allow anyone else to use the Card.
• Don't reveal your PIN or associated Code.
• Don't type your PIN, unless you do so in a way that it's impossible for someone else to recognize you.
• Delete the PIN from your mobile phone once received. • Release the Card, Card Number, PIN or Code only to carry out (or attempt to carry out) a transaction with a merchant or ATM that displays the Visa® Acceptance Mark.

Keep your card and account safe
You must keep your eFyCard details secure at all times, including PAN (the 16-digit number shown on the front of the eFyCard), expiration date, CVV (the 3-digit number, which is shown on the back of the eFyCard), PIN (Personal Identification). Number), and any password and device you use to access the security details of the eFyCard and/or Account by any method (together, the “Personalized Security Features”). This also includes any details of the eFyCard in e-wallets, on retailer websites or on devices such as mobile phones. If you have registered an eFyCard on a device or inside an electronic wallet, this will include the passwords and security processes used to access your device or electronic wallet (device ID, access codes or passwords) and any fingerprints or other biometric or identification methods stored on your device. Please note that not all custom security features may apply to the eFyCard. We will never contact you to request any of your Personalized Security Features and we will not ask anyone else to do so on our behalf. If you receive such a request, it is likely to be fraudulent and you should not provide any of your Personalized Security Features under any circumstances. You must report any such activity to us immediately. Treat emails received from senders who claim to be us with caution and be wary of emails that ask you for personalized security features. When you contact our technical support, we may need to identify you, depending on the nature of your enquiry. We can do this by requesting certain information (such as answers to questions) that only you know and by asking for random digits of certain access codes or passwords, but we will never ask you for a full PIN or access code. You should not give them to anyone who asks for them, even if that person appears to be an official. If you become aware of the loss, theft or misappropriation of the eFyCard or its unauthorized use, please send us an email immediately at support@efy.finance.

Request, balance and statement
The user has the right to request the issuance of an eFyCard after successfully completing the Customer Knowledge (KYC) process and having credited to their wallet within the platform an amount not lower than the cost of issuing the card plus the pre-established minimum recharge amount. The relevant amounts will be available for consultation on the platform at any time prior to the card request. EFY Finance reserves the right to refuse to issue the requested EFYcard for reasons related to non-compliance with these terms and conditions or for reasons of regulatory compliance.
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Users can choose the EFyCard Basic mode, with a monthly transactional usage limit of up to 10,000 USD, or EfyCard Black, for uses greater than 10,000 USD per month. Prior consultation of the monthly maintenance fees on the platform is required before making the request.
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For the approval of the eFyCard Black, it will be necessary to submit a certificate of origin of funds, whose information will be processed for security and regulatory compliance purposes in the area of money laundering prevention. The activation of the EFYcard and the configuration of the security PIN for withdrawals must be requested by the user through the EFY Finance support service.
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The loading and withdrawal of the EFYcard will be carried out exclusively with the balance of the digital assets available in the holder's wallet on the EFY Finance platform. This operation will be carried out under the instructions of the user, according to the mandates established in the general and specific terms, and will be processed in approximately forty-eight (48) to seventy-two (72) business hours. Even so, they may take longer, or less time depending on technical errors or third-party liability, to the extent that EFY FINANCE refrains from liability in any of these situations. The fees applicable to each recharge will be clearly detailed on the platform for consultation prior to the execution of any operation.
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The user can check the account status and the details of the transactions made with the EFYcard at any time through the EFY Finance platform. It should be noted that, in the course of card operations, situations may arise in which “floating balances” are recorded. This occurs when a merchant is slow to process a transaction, which may result in a temporary discrepancy between the balance shown on the platform and the actual balance available on the card. During this period, the actual available balance may be lower than that reflected in the query, until the transaction is fully processed and the corresponding movement is definitively reflected in the account statement.
Any change in the balance, excluding the resolution of floating balances, will be reported within twenty-four (24) to forty-eight (48) business hours following the transaction. EFY Finance is committed to ensuring maximum transparency and accuracy in the information provided to the user, and provides support mechanisms to resolve any concerns related to card movements and balance.
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The balance charged to the eFyCard must be used through card transactions. ATM cash withdrawals will be subject to the fees and commissions established by each bank, which are foreign and unknown to EFY Finance.
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The reversal of the balance charged to the card will only be appropriate in exceptional circumstances, such as the loss, destruction or theft of the card. For these purposes, the user must request it through the email support@efy.finance, following the instructions provided by that means or through the support service.

Changes to the Agreement
EFY Finance reserves the right to modify, at any time and without prior notice, the terms and conditions established both in this specific document and in the general terms and conditions applicable to the services offered. In addition, EFY Finance reserves the right to alter the processing times of transactions and the fees associated with the services offered, which are displayed on the platform for consultation by users.

These modifications may respond to operational needs, changes in the regulatory environment, improvements in the security and efficiency of services, or the incorporation of new features and products. EFY Finance is committed to acting in the best interest of its users and to maintaining the quality and competitiveness of its services.

It will be the user's responsibility to periodically review the terms and conditions, as well as the rates displayed on the platform, to ensure that they are informed of any changes that may affect the services they use. The continued use of EFY Finance services after the publication of changes to the terms, conditions or rates will imply the acceptance of such changes by the user.

PQRS
EFY Finance establishes the following procedure for receiving and managing Requests, Complaints, Claims and Suggestions (PQRS) by users of its services and products. As required by paragraph e) of article 4 of the Bitcoin Law Regulations, it is further informed that users can also contact the Superintendency of the Financial System of El Salvador (SSF) to submit questions or complaints related to our services within the framework of our license in El Salvador.
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SSF contact information:
Email: atencionalusuario@ssf.gob.sv
Phone: + (503) 2699-9999
Address: Albert Einstein Avenue, Lomas de San Francisco Urbanization, No. 17, Antiguo Cuscatlán District, Municipality of La Libertad Este, Department of La Libertad, El Salvador, C.A

1. Official Reception Channels
Requests, Complaints, Claims and Suggestions should be directed exclusively through the following official channels enabled by EFY Finance:
Email: Users can send their PQRS to the email support@efy.finance, designated as the official channel for receiving written communications.
WhatsApp: For direct and agile communication, users can make use of the WhatsApp service, by contacting the number +57 3208337051, choosing the option specifically enabled for managing PQRS.

2. Management Procedure
EFY Finance is committed to:
Acknowledge receipt of PQRS received through official channels within five (5) business days after receiving them.
Process and manage them in accordance with internal customer service policies, seeking to resolve them within a period not exceeding fifteen (15) business days from the acknowledgment of receipt, unless the nature of the request requires a longer term, in which case the user will be informed in a timely manner.

3. User Responsibility
Users must provide all the information and documentation necessary for the proper management of the PQRS. Omission or provision of false or inaccurate information may prevent an adequate response.

4. confidentiality
EFY Finance guarantees the confidentiality of the information provided within the framework of the PQRS and undertakes to use it exclusively for their resolution.

Limitation of liability
The eFyCard Holder assumes full responsibility for the custody and proper use of the card. EFY Finance is exempt from all liability for loss, damage, or any harm resulting from theft, fraud, or misuse of the card, including but not limited to participation in illegal activities.

EFY Finance is also not responsible for any damage that may be caused by the misuse of the EFYcard. Misuse is any act that violates applicable legal provisions, these terms and conditions, or involves deception, fraud, illegal activities, or misleading advertising using the eFyCard. EFY Finance reserves the right to cancel or suspend the card in the event of any indication of misuse, a decision that cannot be appealed. Users of the eFyCard agree to use it in accordance with all applicable laws and regulations in their jurisdiction. Any illegal activity will be reported to the competent authorities.

Responsibilities related to the functionality, benefits, insurance, and protections of the EFyCard, which are specific to Visa and/or the issuer, do not fall within the scope of EFY Finance's responsibility. The Owner acknowledges and accepts that these responsibilities are governed by the terms and conditions established by Visa and/or the issuer, and that any complaint or inquiry in this regard must be addressed in accordance with those terms.

EFY Finance will not be responsible for acts of the Holders that result in adverse legal consequences or harm to third parties. The Owner assumes responsibility for his actions and the legal implications that they may entail.

Users are required to report any suspicious or unauthorized activity on their EFYcard to EFY FINANCE immediately to take appropriate action.

Cancellation of EfyCard and disengagement of users
In cases of theft, loss, destruction of the EFYcard card, or for any other reason that motivates the user to request the cancellation of their card, the user must follow the cancellation procedure that will be detailed by the EFY Finance support team. This procedure will be initiated through the customer service channels established in these terms and conditions, including but not limited to email and WhatsApp. In situations where it is necessary to disassociate the user from EFY Finance services for regulatory compliance reasons, the cancellation of the EFYcard card will be carried out in accordance with the instructions provided by the EFY Finance support team. Exclusively in cases of disassociation, the user will have the right to request the reversion and reimbursement of the remaining balance on the eFyCard card. This request must be made by email to the address designated by EFY Finance for this purpose. The user must follow all the steps and comply with the requirements detailed in the procedure communicated by EFY Finance through this email, including the presentation of the documentation required for the verification of the user's identity and the processing of the request for reimbursement. It is the user's responsibility to ensure that they follow the steps correctly and meet all the requirements established in the cancellation and, where appropriate, refund procedure. Failure to comply with these requirements may result in delays or the inability to process the requested cancellation and/or refund.