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ACEPTACIÓN DE LOS TÉRMINOS Al utilizar los servicios ofrecidos FLUMEXA, S.A. DE C.V. (“FLUMEXA”), el Usuario acepta expresa e íntegramente los presentes Términos y Condiciones (los “Términos”). Si el Usuario no está de acuerdo con estos Términos, deberá abstenerse de utilizar los servicios de FLUMEXA.
 2. DEFINICIONES Y REGLAS DE INTERPRETACIÓN Los términos definidos en mayúsculas tendrán el significado que se les atribuye a continuación o en el cuerpo de estos Términos, aplicando al singular y plural según corresponda. 

“Usuario” o “Mandante”: Persona jurídica que designa a FLUMEXA como su agente tesorero de pagos a través de la utilización de los servicios descritos en los presentes Términos. 

“Instrucción”: Directriz del Usuario a FLUMEXA en su calidad de mandatario para que éste realice una operación de envío o recepción de fondos en calidad de agente del Usuario.
 “Beneficiario Designado”: Persona o entidad a la que el Usuario ordena realizar una transferencia y con quien guarda una relación comercial motivo por el cual genera la Instrucción.
 “Cuenta para Pagos”: Cuenta bancaria designada por FLUMEXA para la recepción de los fondos que serán transmitidos por instrucción del Usuario a los Beneficiarios Designados. 
“Servicio”: El servicio de agente de pago y transmisión de fondos en el contexto de mandato otorgado por el Usuario a FLUMEXA en los términos de estos Términos y Condiciones.

 3. OBJETO Y ALCANCE DEL SERVICIO 3.1. Naturaleza del Servicio: el Usuario designa a FLUMEXA como su Agente Tesorero de Pagos (en adelante, el \"Agente\"). El Agente actuará en todo momento por cuenta, orden y riesgo exclusivo del Usuario ejecutando las Instrucciones de pago que este le imparta para abonar los montos a los Beneficiarios que el Usuario indique. Por lo tanto, FLUMEXA no asume ninguna responsabilidad o riesgo comercial, financiero o legal derivado de la Instrucción (incluyendo la relación subyacente entre el Usuario y el Beneficiario Designado). Las obligaciones de FLUMEXA se limitan estrictamente a la ejecución de la Instrucción conforme a estos Términos y a la disponibilidad de los fondos provistos por el Usuario para tal fin.

 4. PROCEDIMIENTO E INSTRUCCIONES Para que FLUMEXA ejecute una transferencia, el Usuario deberá proporcionar a FLUMEXA una Instrucción completa, correcta y veraz por escrito o mediante tecnología API. Dicha Instrucción deberá incluir, como mínimo: (i) Nombre completo o razón social del Beneficiario, (ii) Datos bancarios completos del Beneficiario, (iii) Monto de la operación, y (iv) Motivo o causa del pago. 
- Validez de la Instrucción: Las Partes acuerdan que toda Instrucción enviada desde los correos electrónicos registrados del Usuario o mediante sus credenciales de API se presumirá válida y emitida válidamente por el Usuario. Es responsabilidad exclusiva del Usuario asegurar la seguridad, autenticidad e integridad de dichos canales. FLUMEXA no será responsable por ejecutar Instrucciones que aparenten ser válidas, aun si estas fueran fraudulentas, erróneas o no autorizadas. 
- Obligación de Fondeo Previo: La obligación de FLUMEXA de ejecutar una Instrucción está estrictamente condicionada a la recepción previa y satisfactoria de la totalidad de los fondos necesarios en la Cuenta para Pagos. FLUMEXA no otorgará créditos ni realizará adelantos de fondos bajo ninguna circunstancia. 
- Origen de los Fondos: El Usuario es el único responsable de asegurar el fondeo oportuno de la Cuenta para Pagos. a) Los fondos deberán provenir de una cuenta bancaria de titularidad del propio Usuario. 

b) Fondeo desde Terceros: FLUMEXA podrá, a su entera y exclusiva discreción, aceptar fondos provenientes de un tercero que actúe por cuenta del Usuario. FLUMEXA se reserva el derecho absoluto de rechazar cualquier fondeo proveniente de terceros no aprobados o de fuentes no verificables, sin que ello genere responsabilidad alguna.
 Y.5. Ejecución: Una vez recibida la Instrucción válida y los fondos suficientes FLUMEXA procederá a ejecutar el pago. La obligación de FLUMEXA como Agente se entenderá total y correctamente cumplida al momento de emitir la orden de transferencia al sistema bancario o de pagos correspondiente. FLUMEXA no será responsable por demoras, errores o rechazos imputables a las entidades financieras intermediarias o de destino. 
Y.6. Indemnidad: El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, incompletas, interceptadas o no autorizadas. El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, interceptadas o no autorizadas. 

5. COMISIONES Y TARIFAS El Usuario deberá pagar a FLUMEXA las comisiones vigentes por cada Instrucción procesada. Las comisiones serán aquellas establecidas de común acuerdo entre las partes en el marco del uso de la Plataforma, a través de la plataforma, o bien las que la Plataforma arroje automáticamente al momento de generar la Instrucción, según corresponda. Los impuestos derivados de la prestación del Servicio, incluyendo el IVA, correrán a cargo del Usuario. FLUMEXA podrá actualizar las tarifas previo aviso razonable a través de sus canales de comunicación oficiales. 

6. PLAZOS DE TRANSFERENCIA Y REEMBOLSOS FLUMEXA efectuará las transferencias en el día o periodo indicado por el Usuario, siempre que los fondos estén disponibles en la Cuenta para Pagos. En caso de error o reversión de una operación, los fondos serán devueltos a la cuenta de origen del Usuario. FLUMEXA no será responsable por pérdidas derivadas de errores en la información proporcionada por el Usuario.

 7. IDENTIFICACIÓN Y CUMPLIMIENTO NORMATIVO (KYC / PLD-FT) Antes de realizar cualquier Instrucción, el Usuario deberá proporcionar a FLUMEXA toda la información y documentación de identificación requerida por la Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita y las políticas internas de FLUMEXA. FLUMEXA podrá suspender, cancelar o rechazar servicios en caso de incumplimiento o sospecha de irregularidades. El Usuario declara que los fondos provienen de fuentes lícitas y que ninguna persona relacionada se encuentra en listas de sancionados (OFAC, ONU u otras aplicables). El incumplimiento de estas obligaciones se considerará falta grave, facultando a FLUMEXA a rescindir la relación y trasladar eventuales sanciones que resulten del incumplimiento del Usuario.

 8. PRIVACIDAD Y DATOS PERSONALES FLUMEXA actúa como Responsable del tratamiento de datos personales conforme a la Ley Federal de Protección de Datos Personales en Posesión de los Particulares, y tratará la información del Usuario conforme a su Aviso de Privacidad, disponible en su sitio web. El Usuario reconoce haber sido informado del tratamiento de sus datos personales y otorga su consentimiento para su uso conforme a los fines establecidos. 

9. RESPONSABILIDAD Y FUERZA MAYOR FLUMEXA no será responsable por la imposibilidad de prestar el Servicio cuando existan casos fortuitos o de fuerza mayor, incluyendo: fallas en sistemas interbancarios, desastres naturales, pandemias, conflictos armados, sabotaje, actos de autoridad, entre otros. En tales casos, FLUMEXA quedará exento de responsabilidad mientras subsistan las causas que impidan la ejecución del Servicio.

 11. NOTIFICACIONES Y CONTACTO Cualquier comunicación entre las Partes podrá realizarse al siguiente domicilio y medios oficiales: 
Para FLUMEXA
 Dirección: BLV. Manuel Avila Camacho 1910 Int 46, Ciudad Satelite, Naucalpan de Juarez, EM C.P. 53100-CR-53101 Correo electrónico: operations@flumexapay.com 
Para el Usuario
 Dirección Correo electrónico: 
FLUMEXA podrá notificar al Usuario a la dirección o correo electrónico registrado. Cualquier cambio deberá comunicarse por escrito; de no hacerlo, las notificaciones enviadas al último domicilio o correo registrado se considerarán válidas.

 12. MODIFICACIONES Y CESIÓN FLUMEXA podrá modificar estos Términos en cualquier momento, publicando la versión actualizada en sus medios oficiales. El uso continuado de los servicios tras la publicación de modificaciones constituye aceptación tácita de las mismas. El Usuario no podrá ceder derechos u obligaciones derivados de estos Términos sin autorización escrita de FLUMEXA.

 13. INTEGRIDAD Y ENCABEZADOS Estos Términos constituyen el acuerdo íntegro entre FLUMEXA y el Usuario respecto al uso del Servicio, y sustituyen cualquier otro acuerdo previo. Los encabezados son meramente referenciales y no afectan la interpretación del texto.

 14. LEGISLACIÓN Y JURISDICCIÓN Estos Términos se regirán conforme a las leyes aplicables en México. Para cualquier controversia derivada, las partes se someten a la jurisdicción de los tribunales competentes de la Ciudad de México, renunciando a cualquier otro fuero. 

FLUMEXA, S.A. DE 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ACEPTACIÓN DE LOS TÉRMINOS\nAl utilizar los servicios ofrecidos FLUMEXA, S.A. DE C.V. (“FLUMEXA”), el Usuario acepta expresa e íntegramente los presentes Términos y Condiciones (los “Términos”). Si el Usuario no está de acuerdo con estos Términos, deberá abstenerse de utilizar los servicios de FLUMEXA.
\n2. DEFINICIONES Y REGLAS DE INTERPRETACIÓN\nLos términos definidos en mayúsculas tendrán el significado que se les atribuye a continuación o en el cuerpo de estos Términos, aplicando al singular y plural según corresponda. 

“Usuario” o “Mandante”: Persona jurídica que designa a FLUMEXA como su agente tesorero de pagos a través de la utilización de los servicios descritos en los presentes Términos. 

“Instrucción”: Directriz del Usuario a FLUMEXA en su calidad de mandatario para que éste realice una operación de envío o recepción de fondos en calidad de agente del Usuario.
\n“Beneficiario Designado”: Persona o entidad a la que el Usuario ordena realizar una transferencia y con quien guarda una relación comercial motivo por el cual genera la Instrucción.
\n“Cuenta para Pagos”: Cuenta bancaria designada por FLUMEXA para la recepción de los fondos que serán transmitidos por instrucción del Usuario a los Beneficiarios Designados.\n
“Servicio”: El servicio de agente de pago y transmisión de fondos en el contexto de mandato otorgado por el Usuario a FLUMEXA en los términos de estos Términos y Condiciones.

\n3. OBJETO Y ALCANCE DEL SERVICIO\n3.1. Naturaleza del Servicio: el Usuario designa a FLUMEXA como su Agente Tesorero de Pagos (en adelante, el \"Agente\"). El Agente actuará en todo momento por cuenta, orden y riesgo exclusivo del Usuario ejecutando las Instrucciones de pago que este le imparta para abonar los montos a los Beneficiarios que el Usuario indique. Por lo tanto, FLUMEXA no asume ninguna responsabilidad o riesgo comercial, financiero o legal derivado de la Instrucción (incluyendo la relación subyacente entre el Usuario y el Beneficiario Designado). Las obligaciones de FLUMEXA se limitan estrictamente a la ejecución de la Instrucción conforme a estos Términos y a la disponibilidad de los fondos provistos por el Usuario para tal fin.

\n4. PROCEDIMIENTO E INSTRUCCIONES\nPara que FLUMEXA ejecute una transferencia, el Usuario deberá proporcionar a FLUMEXA una Instrucción completa, correcta y veraz por escrito o mediante tecnología API. Dicha Instrucción deberá incluir, como mínimo: (i) Nombre completo o razón social del Beneficiario, (ii) Datos bancarios completos del Beneficiario, (iii) Monto de la operación, y (iv) Motivo o causa del pago.\n
- Validez de la Instrucción: Las Partes acuerdan que toda Instrucción enviada desde los correos electrónicos registrados del Usuario o mediante sus credenciales de API se presumirá válida y emitida válidamente por el Usuario. Es responsabilidad exclusiva del Usuario asegurar la seguridad, autenticidad e integridad de dichos canales. FLUMEXA no será responsable por ejecutar Instrucciones que aparenten ser válidas, aun si estas fueran\nfraudulentas, erróneas o no autorizadas.\n
- Obligación de Fondeo Previo: La obligación de FLUMEXA de ejecutar una Instrucción está estrictamente condicionada a la recepción previa y satisfactoria de la totalidad de los fondos necesarios en la Cuenta para Pagos. FLUMEXA no otorgará créditos ni realizará adelantos de fondos bajo ninguna circunstancia.\n
- Origen de los Fondos: El Usuario es el único responsable de asegurar el fondeo oportuno de la Cuenta para Pagos. a) Los fondos deberán provenir de una cuenta bancaria de titularidad del propio Usuario. 

b) Fondeo desde Terceros: FLUMEXA podrá, a su entera y exclusiva discreción, aceptar fondos provenientes de un tercero que actúe por cuenta del Usuario. FLUMEXA se reserva el derecho absoluto de rechazar cualquier fondeo proveniente de terceros no aprobados o de fuentes no verificables, sin que ello genere responsabilidad alguna.
\nY.5. Ejecución: Una vez recibida la Instrucción válida y los fondos suficientes FLUMEXA procederá a ejecutar el pago. La obligación de FLUMEXA como Agente se entenderá total y correctamente cumplida al momento de emitir la orden de transferencia al sistema bancario o de pagos correspondiente. FLUMEXA no será responsable por demoras, errores o rechazos imputables a las entidades financieras intermediarias o de destino.\n
Y.6. Indemnidad: El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, incompletas, interceptadas o no autorizadas. El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, interceptadas o no autorizadas.\n

5. COMISIONES Y TARIFAS\nEl Usuario deberá pagar a FLUMEXA las comisiones vigentes por cada Instrucción procesada. Las comisiones serán aquellas establecidas de común acuerdo entre las partes en el marco del uso de la Plataforma, a través de la plataforma, o bien las que la Plataforma arroje automáticamente al momento de generar la Instrucción, según corresponda. Los impuestos derivados de la prestación del Servicio, incluyendo el IVA, correrán a cargo del Usuario. FLUMEXA podrá actualizar las tarifas previo aviso razonable a través de sus canales de comunicación oficiales.\n

6. PLAZOS DE TRANSFERENCIA Y REEMBOLSOS\nFLUMEXA efectuará las transferencias en el día o periodo indicado por el Usuario, siempre que los fondos estén disponibles en la Cuenta para Pagos. En caso de error o reversión de una operación, los fondos serán devueltos a la cuenta de origen del Usuario. FLUMEXA no será responsable por pérdidas derivadas de errores en la información proporcionada por el Usuario.

\n7. IDENTIFICACIÓN Y CUMPLIMIENTO NORMATIVO (KYC / PLD-FT)\nAntes de realizar cualquier Instrucción, el Usuario deberá proporcionar a FLUMEXA toda la información y documentación de identificación requerida por la Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita y las políticas internas de FLUMEXA. FLUMEXA podrá suspender, cancelar o rechazar servicios en caso de incumplimiento o sospecha de irregularidades. El Usuario declara que los fondos provienen de fuentes lícitas y que ninguna persona relacionada se encuentra en listas de sancionados (OFAC, ONU u otras aplicables). El incumplimiento de estas obligaciones se considerará falta grave, facultando a FLUMEXA a rescindir la relación y trasladar eventuales sanciones que resulten del incumplimiento del Usuario.

\n8. PRIVACIDAD Y DATOS PERSONALES\nFLUMEXA actúa como Responsable del tratamiento de datos personales conforme a la Ley Federal de Protección de Datos Personales en Posesión de los Particulares, y tratará la información del Usuario conforme a su Aviso de Privacidad, disponible en su sitio web. El Usuario reconoce haber sido informado del tratamiento de sus datos personales y otorga su consentimiento para su uso conforme a los fines establecidos.\n

9. RESPONSABILIDAD Y FUERZA MAYOR\nFLUMEXA no será responsable por la imposibilidad de prestar el Servicio cuando existan casos fortuitos o de fuerza mayor, incluyendo: fallas en sistemas interbancarios, desastres naturales, pandemias, conflictos armados, sabotaje, actos de autoridad, entre otros. En tales casos, FLUMEXA quedará exento de responsabilidad mientras subsistan las causas que impidan la ejecución del Servicio.

\n11. NOTIFICACIONES Y CONTACTO\nCualquier comunicación entre las Partes podrá realizarse al siguiente domicilio y medios oficiales:\n
Para FLUMEXA
\nDirección: BLV. Manuel Avila Camacho 1910 Int 46, Ciudad Satelite, Naucalpan de Juarez, EM C.P. 53100-CR-53101\nCorreo electrónico: operations@flumexapay.com\n
Para el Usuario
\nDirección\nCorreo electrónico: 
FLUMEXA podrá notificar al Usuario a la dirección o correo electrónico registrado. Cualquier cambio deberá comunicarse por escrito; de no hacerlo, las notificaciones enviadas al último domicilio o correo registrado se considerarán válidas.

\n12. MODIFICACIONES Y CESIÓN\nFLUMEXA podrá modificar estos Términos en cualquier momento, publicando la versión actualizada en sus medios oficiales. El uso continuado de los servicios tras la publicación de modificaciones constituye aceptación tácita de las mismas. El Usuario no podrá ceder derechos u obligaciones derivados de estos Términos sin autorización escrita de FLUMEXA.

\n13. INTEGRIDAD Y ENCABEZADOS\nEstos Términos constituyen el acuerdo íntegro entre FLUMEXA y el Usuario respecto al uso del Servicio, y sustituyen cualquier otro acuerdo previo. Los encabezados son meramente referenciales y no afectan la interpretación del texto.

\n14. LEGISLACIÓN Y JURISDICCIÓN\nEstos Términos se regirán conforme a las leyes aplicables en México. Para cualquier controversia derivada, las partes se someten a la jurisdicción de los tribunales competentes de la Ciudad de México, renunciando a cualquier otro fuero. 

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ACEPTACIÓN DE LOS TÉRMINOS Al utilizar los servicios ofrecidos FLUMEXA, S.A. DE C.V. (“FLUMEXA”), el Usuario acepta expresa e íntegramente los presentes Términos y Condiciones (los “Términos”). Si el Usuario no está de acuerdo con estos Términos, deberá abstenerse de utilizar los servicios de FLUMEXA.
 2. DEFINICIONES Y REGLAS DE INTERPRETACIÓN Los términos definidos en mayúsculas tendrán el significado que se les atribuye a continuación o en el cuerpo de estos Términos, aplicando al singular y plural según corresponda. 

“Usuario” o “Mandante”: Persona jurídica que designa a FLUMEXA como su agente tesorero de pagos a través de la utilización de los servicios descritos en los presentes Términos. 

“Instrucción”: Directriz del Usuario a FLUMEXA en su calidad de mandatario para que éste realice una operación de envío o recepción de fondos en calidad de agente del Usuario.
 “Beneficiario Designado”: Persona o entidad a la que el Usuario ordena realizar una transferencia y con quien guarda una relación comercial motivo por el cual genera la Instrucción.
 “Cuenta para Pagos”: Cuenta bancaria designada por FLUMEXA para la recepción de los fondos que serán transmitidos por instrucción del Usuario a los Beneficiarios Designados. 
“Servicio”: El servicio de agente de pago y transmisión de fondos en el contexto de mandato otorgado por el Usuario a FLUMEXA en los términos de estos Términos y Condiciones.

 3. OBJETO Y ALCANCE DEL SERVICIO 3.1. Naturaleza del Servicio: el Usuario designa a FLUMEXA como su Agente Tesorero de Pagos (en adelante, el \"Agente\"). El Agente actuará en todo momento por cuenta, orden y riesgo exclusivo del Usuario ejecutando las Instrucciones de pago que este le imparta para abonar los montos a los Beneficiarios que el Usuario indique. Por lo tanto, FLUMEXA no asume ninguna responsabilidad o riesgo comercial, financiero o legal derivado de la Instrucción (incluyendo la relación subyacente entre el Usuario y el Beneficiario Designado). Las obligaciones de FLUMEXA se limitan estrictamente a la ejecución de la Instrucción conforme a estos Términos y a la disponibilidad de los fondos provistos por el Usuario para tal fin.

 4. PROCEDIMIENTO E INSTRUCCIONES Para que FLUMEXA ejecute una transferencia, el Usuario deberá proporcionar a FLUMEXA una Instrucción completa, correcta y veraz por escrito o mediante tecnología API. Dicha Instrucción deberá incluir, como mínimo: (i) Nombre completo o razón social del Beneficiario, (ii) Datos bancarios completos del Beneficiario, (iii) Monto de la operación, y (iv) Motivo o causa del pago. 
- Validez de la Instrucción: Las Partes acuerdan que toda Instrucción enviada desde los correos electrónicos registrados del Usuario o mediante sus credenciales de API se presumirá válida y emitida válidamente por el Usuario. Es responsabilidad exclusiva del Usuario asegurar la seguridad, autenticidad e integridad de dichos canales. FLUMEXA no será responsable por ejecutar Instrucciones que aparenten ser válidas, aun si estas fueran fraudulentas, erróneas o no autorizadas. 
- Obligación de Fondeo Previo: La obligación de FLUMEXA de ejecutar una Instrucción está estrictamente condicionada a la recepción previa y satisfactoria de la totalidad de los fondos necesarios en la Cuenta para Pagos. FLUMEXA no otorgará créditos ni realizará adelantos de fondos bajo ninguna circunstancia. 
- Origen de los Fondos: El Usuario es el único responsable de asegurar el fondeo oportuno de la Cuenta para Pagos. a) Los fondos deberán provenir de una cuenta bancaria de titularidad del propio Usuario. 

b) Fondeo desde Terceros: FLUMEXA podrá, a su entera y exclusiva discreción, aceptar fondos provenientes de un tercero que actúe por cuenta del Usuario. FLUMEXA se reserva el derecho absoluto de rechazar cualquier fondeo proveniente de terceros no aprobados o de fuentes no verificables, sin que ello genere responsabilidad alguna.
 Y.5. Ejecución: Una vez recibida la Instrucción válida y los fondos suficientes FLUMEXA procederá a ejecutar el pago. La obligación de FLUMEXA como Agente se entenderá total y correctamente cumplida al momento de emitir la orden de transferencia al sistema bancario o de pagos correspondiente. FLUMEXA no será responsable por demoras, errores o rechazos imputables a las entidades financieras intermediarias o de destino. 
Y.6. Indemnidad: El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, incompletas, interceptadas o no autorizadas. El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, interceptadas o no autorizadas. 

5. COMISIONES Y TARIFAS El Usuario deberá pagar a FLUMEXA las comisiones vigentes por cada Instrucción procesada. Las comisiones serán aquellas establecidas de común acuerdo entre las partes en el marco del uso de la Plataforma, a través de la plataforma, o bien las que la Plataforma arroje automáticamente al momento de generar la Instrucción, según corresponda. Los impuestos derivados de la prestación del Servicio, incluyendo el IVA, correrán a cargo del Usuario. FLUMEXA podrá actualizar las tarifas previo aviso razonable a través de sus canales de comunicación oficiales. 

6. PLAZOS DE TRANSFERENCIA Y REEMBOLSOS FLUMEXA efectuará las transferencias en el día o periodo indicado por el Usuario, siempre que los fondos estén disponibles en la Cuenta para Pagos. En caso de error o reversión de una operación, los fondos serán devueltos a la cuenta de origen del Usuario. FLUMEXA no será responsable por pérdidas derivadas de errores en la información proporcionada por el Usuario.

 7. IDENTIFICACIÓN Y CUMPLIMIENTO NORMATIVO (KYC / PLD-FT) Antes de realizar cualquier Instrucción, el Usuario deberá proporcionar a FLUMEXA toda la información y documentación de identificación requerida por la Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita y las políticas internas de FLUMEXA. FLUMEXA podrá suspender, cancelar o rechazar servicios en caso de incumplimiento o sospecha de irregularidades. El Usuario declara que los fondos provienen de fuentes lícitas y que ninguna persona relacionada se encuentra en listas de sancionados (OFAC, ONU u otras aplicables). El incumplimiento de estas obligaciones se considerará falta grave, facultando a FLUMEXA a rescindir la relación y trasladar eventuales sanciones que resulten del incumplimiento del Usuario.

 8. PRIVACIDAD Y DATOS PERSONALES FLUMEXA actúa como Responsable del tratamiento de datos personales conforme a la Ley Federal de Protección de Datos Personales en Posesión de los Particulares, y tratará la información del Usuario conforme a su Aviso de Privacidad, disponible en su sitio web. El Usuario reconoce haber sido informado del tratamiento de sus datos personales y otorga su consentimiento para su uso conforme a los fines establecidos. 

9. RESPONSABILIDAD Y FUERZA MAYOR FLUMEXA no será responsable por la imposibilidad de prestar el Servicio cuando existan casos fortuitos o de fuerza mayor, incluyendo: fallas en sistemas interbancarios, desastres naturales, pandemias, conflictos armados, sabotaje, actos de autoridad, entre otros. En tales casos, FLUMEXA quedará exento de responsabilidad mientras subsistan las causas que impidan la ejecución del Servicio.

 11. NOTIFICACIONES Y CONTACTO Cualquier comunicación entre las Partes podrá realizarse al siguiente domicilio y medios oficiales: 
Para FLUMEXA
 Dirección: BLV. Manuel Avila Camacho 1910 Int 46, Ciudad Satelite, Naucalpan de Juarez, EM C.P. 53100-CR-53101 Correo electrónico: operations@flumexapay.com 
Para el Usuario
 Dirección Correo electrónico: 
FLUMEXA podrá notificar al Usuario a la dirección o correo electrónico registrado. Cualquier cambio deberá comunicarse por escrito; de no hacerlo, las notificaciones enviadas al último domicilio o correo registrado se considerarán válidas.

 12. MODIFICACIONES Y CESIÓN FLUMEXA podrá modificar estos Términos en cualquier momento, publicando la versión actualizada en sus medios oficiales. El uso continuado de los servicios tras la publicación de modificaciones constituye aceptación tácita de las mismas. El Usuario no podrá ceder derechos u obligaciones derivados de estos Términos sin autorización escrita de FLUMEXA.

 13. INTEGRIDAD Y ENCABEZADOS Estos Términos constituyen el acuerdo íntegro entre FLUMEXA y el Usuario respecto al uso del Servicio, y sustituyen cualquier otro acuerdo previo. Los encabezados son meramente referenciales y no afectan la interpretación del texto.

 14. LEGISLACIÓN Y JURISDICCIÓN Estos Términos se regirán conforme a las leyes aplicables en México. Para cualquier controversia derivada, las partes se someten a la jurisdicción de los tribunales competentes de la Ciudad de México, renunciando a cualquier otro fuero. 

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ACEPTACIÓN DE LOS TÉRMINOS\nAl utilizar los servicios ofrecidos FLUMEXA, S.A. DE C.V. (“FLUMEXA”), el Usuario acepta expresa e íntegramente los presentes Términos y Condiciones (los “Términos”). Si el Usuario no está de acuerdo con estos Términos, deberá abstenerse de utilizar los servicios de FLUMEXA.
\n2. DEFINICIONES Y REGLAS DE INTERPRETACIÓN\nLos términos definidos en mayúsculas tendrán el significado que se les atribuye a continuación o en el cuerpo de estos Términos, aplicando al singular y plural según corresponda. 

“Usuario” o “Mandante”: Persona jurídica que designa a FLUMEXA como su agente tesorero de pagos a través de la utilización de los servicios descritos en los presentes Términos. 

“Instrucción”: Directriz del Usuario a FLUMEXA en su calidad de mandatario para que éste realice una operación de envío o recepción de fondos en calidad de agente del Usuario.
\n“Beneficiario Designado”: Persona o entidad a la que el Usuario ordena realizar una transferencia y con quien guarda una relación comercial motivo por el cual genera la Instrucción.
\n“Cuenta para Pagos”: Cuenta bancaria designada por FLUMEXA para la recepción de los fondos que serán transmitidos por instrucción del Usuario a los Beneficiarios Designados.\n
“Servicio”: El servicio de agente de pago y transmisión de fondos en el contexto de mandato otorgado por el Usuario a FLUMEXA en los términos de estos Términos y Condiciones.

\n3. OBJETO Y ALCANCE DEL SERVICIO\n3.1. Naturaleza del Servicio: el Usuario designa a FLUMEXA como su Agente Tesorero de Pagos (en adelante, el \"Agente\"). El Agente actuará en todo momento por cuenta, orden y riesgo exclusivo del Usuario ejecutando las Instrucciones de pago que este le imparta para abonar los montos a los Beneficiarios que el Usuario indique. Por lo tanto, FLUMEXA no asume ninguna responsabilidad o riesgo comercial, financiero o legal derivado de la Instrucción (incluyendo la relación subyacente entre el Usuario y el Beneficiario Designado). Las obligaciones de FLUMEXA se limitan estrictamente a la ejecución de la Instrucción conforme a estos Términos y a la disponibilidad de los fondos provistos por el Usuario para tal fin.

\n4. PROCEDIMIENTO E INSTRUCCIONES\nPara que FLUMEXA ejecute una transferencia, el Usuario deberá proporcionar a FLUMEXA una Instrucción completa, correcta y veraz por escrito o mediante tecnología API. Dicha Instrucción deberá incluir, como mínimo: (i) Nombre completo o razón social del Beneficiario, (ii) Datos bancarios completos del Beneficiario, (iii) Monto de la operación, y (iv) Motivo o causa del pago.\n
- Validez de la Instrucción: Las Partes acuerdan que toda Instrucción enviada desde los correos electrónicos registrados del Usuario o mediante sus credenciales de API se presumirá válida y emitida válidamente por el Usuario. Es responsabilidad exclusiva del Usuario asegurar la seguridad, autenticidad e integridad de dichos canales. FLUMEXA no será responsable por ejecutar Instrucciones que aparenten ser válidas, aun si estas fueran\nfraudulentas, erróneas o no autorizadas.\n
- Obligación de Fondeo Previo: La obligación de FLUMEXA de ejecutar una Instrucción está estrictamente condicionada a la recepción previa y satisfactoria de la totalidad de los fondos necesarios en la Cuenta para Pagos. FLUMEXA no otorgará créditos ni realizará adelantos de fondos bajo ninguna circunstancia.\n
- Origen de los Fondos: El Usuario es el único responsable de asegurar el fondeo oportuno de la Cuenta para Pagos. a) Los fondos deberán provenir de una cuenta bancaria de titularidad del propio Usuario. 

b) Fondeo desde Terceros: FLUMEXA podrá, a su entera y exclusiva discreción, aceptar fondos provenientes de un tercero que actúe por cuenta del Usuario. FLUMEXA se reserva el derecho absoluto de rechazar cualquier fondeo proveniente de terceros no aprobados o de fuentes no verificables, sin que ello genere responsabilidad alguna.
\nY.5. Ejecución: Una vez recibida la Instrucción válida y los fondos suficientes FLUMEXA procederá a ejecutar el pago. La obligación de FLUMEXA como Agente se entenderá total y correctamente cumplida al momento de emitir la orden de transferencia al sistema bancario o de pagos correspondiente. FLUMEXA no será responsable por demoras, errores o rechazos imputables a las entidades financieras intermediarias o de destino.\n
Y.6. Indemnidad: El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, incompletas, interceptadas o no autorizadas. El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, interceptadas o no autorizadas.\n

5. COMISIONES Y TARIFAS\nEl Usuario deberá pagar a FLUMEXA las comisiones vigentes por cada Instrucción procesada. Las comisiones serán aquellas establecidas de común acuerdo entre las partes en el marco del uso de la Plataforma, a través de la plataforma, o bien las que la Plataforma arroje automáticamente al momento de generar la Instrucción, según corresponda. Los impuestos derivados de la prestación del Servicio, incluyendo el IVA, correrán a cargo del Usuario. FLUMEXA podrá actualizar las tarifas previo aviso razonable a través de sus canales de comunicación oficiales.\n

6. PLAZOS DE TRANSFERENCIA Y REEMBOLSOS\nFLUMEXA efectuará las transferencias en el día o periodo indicado por el Usuario, siempre que los fondos estén disponibles en la Cuenta para Pagos. En caso de error o reversión de una operación, los fondos serán devueltos a la cuenta de origen del Usuario. FLUMEXA no será responsable por pérdidas derivadas de errores en la información proporcionada por el Usuario.

\n7. IDENTIFICACIÓN Y CUMPLIMIENTO NORMATIVO (KYC / PLD-FT)\nAntes de realizar cualquier Instrucción, el Usuario deberá proporcionar a FLUMEXA toda la información y documentación de identificación requerida por la Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita y las políticas internas de FLUMEXA. FLUMEXA podrá suspender, cancelar o rechazar servicios en caso de incumplimiento o sospecha de irregularidades. El Usuario declara que los fondos provienen de fuentes lícitas y que ninguna persona relacionada se encuentra en listas de sancionados (OFAC, ONU u otras aplicables). El incumplimiento de estas obligaciones se considerará falta grave, facultando a FLUMEXA a rescindir la relación y trasladar eventuales sanciones que resulten del incumplimiento del Usuario.

\n8. PRIVACIDAD Y DATOS PERSONALES\nFLUMEXA actúa como Responsable del tratamiento de datos personales conforme a la Ley Federal de Protección de Datos Personales en Posesión de los Particulares, y tratará la información del Usuario conforme a su Aviso de Privacidad, disponible en su sitio web. El Usuario reconoce haber sido informado del tratamiento de sus datos personales y otorga su consentimiento para su uso conforme a los fines establecidos.\n

9. RESPONSABILIDAD Y FUERZA MAYOR\nFLUMEXA no será responsable por la imposibilidad de prestar el Servicio cuando existan casos fortuitos o de fuerza mayor, incluyendo: fallas en sistemas interbancarios, desastres naturales, pandemias, conflictos armados, sabotaje, actos de autoridad, entre otros. En tales casos, FLUMEXA quedará exento de responsabilidad mientras subsistan las causas que impidan la ejecución del Servicio.

\n11. NOTIFICACIONES Y CONTACTO\nCualquier comunicación entre las Partes podrá realizarse al siguiente domicilio y medios oficiales:\n
Para FLUMEXA
\nDirección: BLV. Manuel Avila Camacho 1910 Int 46, Ciudad Satelite, Naucalpan de Juarez, EM C.P. 53100-CR-53101\nCorreo electrónico: operations@flumexapay.com\n
Para el Usuario
\nDirección\nCorreo electrónico: 
FLUMEXA podrá notificar al Usuario a la dirección o correo electrónico registrado. Cualquier cambio deberá comunicarse por escrito; de no hacerlo, las notificaciones enviadas al último domicilio o correo registrado se considerarán válidas.

\n12. MODIFICACIONES Y CESIÓN\nFLUMEXA podrá modificar estos Términos en cualquier momento, publicando la versión actualizada en sus medios oficiales. El uso continuado de los servicios tras la publicación de modificaciones constituye aceptación tácita de las mismas. El Usuario no podrá ceder derechos u obligaciones derivados de estos Términos sin autorización escrita de FLUMEXA.

\n13. INTEGRIDAD Y ENCABEZADOS\nEstos Términos constituyen el acuerdo íntegro entre FLUMEXA y el Usuario respecto al uso del Servicio, y sustituyen cualquier otro acuerdo previo. Los encabezados son meramente referenciales y no afectan la interpretación del texto.

\n14. LEGISLACIÓN Y JURISDICCIÓN\nEstos Términos se regirán conforme a las leyes aplicables en México. Para cualquier controversia derivada, las partes se someten a la jurisdicción de los tribunales competentes de la Ciudad de México, renunciando a cualquier otro fuero. 

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ACEPTACIÓN DE LOS TÉRMINOS Al utilizar los servicios ofrecidos FLUMEXA, S.A. DE C.V. (“FLUMEXA”), el Usuario acepta expresa e íntegramente los presentes Términos y Condiciones (los “Términos”). Si el Usuario no está de acuerdo con estos Términos, deberá abstenerse de utilizar los servicios de FLUMEXA.
 2. DEFINICIONES Y REGLAS DE INTERPRETACIÓN Los términos definidos en mayúsculas tendrán el significado que se les atribuye a continuación o en el cuerpo de estos Términos, aplicando al singular y plural según corresponda. 

“Usuario” o “Mandante”: Persona jurídica que designa a FLUMEXA como su agente tesorero de pagos a través de la utilización de los servicios descritos en los presentes Términos. 

“Instrucción”: Directriz del Usuario a FLUMEXA en su calidad de mandatario para que éste realice una operación de envío o recepción de fondos en calidad de agente del Usuario.
 “Beneficiario Designado”: Persona o entidad a la que el Usuario ordena realizar una transferencia y con quien guarda una relación comercial motivo por el cual genera la Instrucción.
 “Cuenta para Pagos”: Cuenta bancaria designada por FLUMEXA para la recepción de los fondos que serán transmitidos por instrucción del Usuario a los Beneficiarios Designados. 
“Servicio”: El servicio de agente de pago y transmisión de fondos en el contexto de mandato otorgado por el Usuario a FLUMEXA en los términos de estos Términos y Condiciones.

 3. OBJETO Y ALCANCE DEL SERVICIO 3.1. Naturaleza del Servicio: el Usuario designa a FLUMEXA como su Agente Tesorero de Pagos (en adelante, el \"Agente\"). El Agente actuará en todo momento por cuenta, orden y riesgo exclusivo del Usuario ejecutando las Instrucciones de pago que este le imparta para abonar los montos a los Beneficiarios que el Usuario indique. Por lo tanto, FLUMEXA no asume ninguna responsabilidad o riesgo comercial, financiero o legal derivado de la Instrucción (incluyendo la relación subyacente entre el Usuario y el Beneficiario Designado). Las obligaciones de FLUMEXA se limitan estrictamente a la ejecución de la Instrucción conforme a estos Términos y a la disponibilidad de los fondos provistos por el Usuario para tal fin.

 4. PROCEDIMIENTO E INSTRUCCIONES Para que FLUMEXA ejecute una transferencia, el Usuario deberá proporcionar a FLUMEXA una Instrucción completa, correcta y veraz por escrito o mediante tecnología API. Dicha Instrucción deberá incluir, como mínimo: (i) Nombre completo o razón social del Beneficiario, (ii) Datos bancarios completos del Beneficiario, (iii) Monto de la operación, y (iv) Motivo o causa del pago. 
- Validez de la Instrucción: Las Partes acuerdan que toda Instrucción enviada desde los correos electrónicos registrados del Usuario o mediante sus credenciales de API se presumirá válida y emitida válidamente por el Usuario. Es responsabilidad exclusiva del Usuario asegurar la seguridad, autenticidad e integridad de dichos canales. FLUMEXA no será responsable por ejecutar Instrucciones que aparenten ser válidas, aun si estas fueran fraudulentas, erróneas o no autorizadas. 
- Obligación de Fondeo Previo: La obligación de FLUMEXA de ejecutar una Instrucción está estrictamente condicionada a la recepción previa y satisfactoria de la totalidad de los fondos necesarios en la Cuenta para Pagos. FLUMEXA no otorgará créditos ni realizará adelantos de fondos bajo ninguna circunstancia. 
- Origen de los Fondos: El Usuario es el único responsable de asegurar el fondeo oportuno de la Cuenta para Pagos. a) Los fondos deberán provenir de una cuenta bancaria de titularidad del propio Usuario. 

b) Fondeo desde Terceros: FLUMEXA podrá, a su entera y exclusiva discreción, aceptar fondos provenientes de un tercero que actúe por cuenta del Usuario. FLUMEXA se reserva el derecho absoluto de rechazar cualquier fondeo proveniente de terceros no aprobados o de fuentes no verificables, sin que ello genere responsabilidad alguna.
 Y.5. Ejecución: Una vez recibida la Instrucción válida y los fondos suficientes FLUMEXA procederá a ejecutar el pago. La obligación de FLUMEXA como Agente se entenderá total y correctamente cumplida al momento de emitir la orden de transferencia al sistema bancario o de pagos correspondiente. FLUMEXA no será responsable por demoras, errores o rechazos imputables a las entidades financieras intermediarias o de destino. 
Y.6. Indemnidad: El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, incompletas, interceptadas o no autorizadas. El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, interceptadas o no autorizadas. 

5. COMISIONES Y TARIFAS El Usuario deberá pagar a FLUMEXA las comisiones vigentes por cada Instrucción procesada. Las comisiones serán aquellas establecidas de común acuerdo entre las partes en el marco del uso de la Plataforma, a través de la plataforma, o bien las que la Plataforma arroje automáticamente al momento de generar la Instrucción, según corresponda. Los impuestos derivados de la prestación del Servicio, incluyendo el IVA, correrán a cargo del Usuario. FLUMEXA podrá actualizar las tarifas previo aviso razonable a través de sus canales de comunicación oficiales. 

6. PLAZOS DE TRANSFERENCIA Y REEMBOLSOS FLUMEXA efectuará las transferencias en el día o periodo indicado por el Usuario, siempre que los fondos estén disponibles en la Cuenta para Pagos. En caso de error o reversión de una operación, los fondos serán devueltos a la cuenta de origen del Usuario. FLUMEXA no será responsable por pérdidas derivadas de errores en la información proporcionada por el Usuario.

 7. IDENTIFICACIÓN Y CUMPLIMIENTO NORMATIVO (KYC / PLD-FT) Antes de realizar cualquier Instrucción, el Usuario deberá proporcionar a FLUMEXA toda la información y documentación de identificación requerida por la Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita y las políticas internas de FLUMEXA. FLUMEXA podrá suspender, cancelar o rechazar servicios en caso de incumplimiento o sospecha de irregularidades. El Usuario declara que los fondos provienen de fuentes lícitas y que ninguna persona relacionada se encuentra en listas de sancionados (OFAC, ONU u otras aplicables). El incumplimiento de estas obligaciones se considerará falta grave, facultando a FLUMEXA a rescindir la relación y trasladar eventuales sanciones que resulten del incumplimiento del Usuario.

 8. PRIVACIDAD Y DATOS PERSONALES FLUMEXA actúa como Responsable del tratamiento de datos personales conforme a la Ley Federal de Protección de Datos Personales en Posesión de los Particulares, y tratará la información del Usuario conforme a su Aviso de Privacidad, disponible en su sitio web. El Usuario reconoce haber sido informado del tratamiento de sus datos personales y otorga su consentimiento para su uso conforme a los fines establecidos. 

9. RESPONSABILIDAD Y FUERZA MAYOR FLUMEXA no será responsable por la imposibilidad de prestar el Servicio cuando existan casos fortuitos o de fuerza mayor, incluyendo: fallas en sistemas interbancarios, desastres naturales, pandemias, conflictos armados, sabotaje, actos de autoridad, entre otros. En tales casos, FLUMEXA quedará exento de responsabilidad mientras subsistan las causas que impidan la ejecución del Servicio.

 11. NOTIFICACIONES Y CONTACTO Cualquier comunicación entre las Partes podrá realizarse al siguiente domicilio y medios oficiales: 
Para FLUMEXA
 Dirección: BLV. Manuel Avila Camacho 1910 Int 46, Ciudad Satelite, Naucalpan de Juarez, EM C.P. 53100-CR-53101 Correo electrónico: operations@flumexapay.com 
Para el Usuario
 Dirección Correo electrónico: 
FLUMEXA podrá notificar al Usuario a la dirección o correo electrónico registrado. Cualquier cambio deberá comunicarse por escrito; de no hacerlo, las notificaciones enviadas al último domicilio o correo registrado se considerarán válidas.

 12. MODIFICACIONES Y CESIÓN FLUMEXA podrá modificar estos Términos en cualquier momento, publicando la versión actualizada en sus medios oficiales. El uso continuado de los servicios tras la publicación de modificaciones constituye aceptación tácita de las mismas. El Usuario no podrá ceder derechos u obligaciones derivados de estos Términos sin autorización escrita de FLUMEXA.

 13. INTEGRIDAD Y ENCABEZADOS Estos Términos constituyen el acuerdo íntegro entre FLUMEXA y el Usuario respecto al uso del Servicio, y sustituyen cualquier otro acuerdo previo. Los encabezados son meramente referenciales y no afectan la interpretación del texto.

 14. LEGISLACIÓN Y JURISDICCIÓN Estos Términos se regirán conforme a las leyes aplicables en México. Para cualquier controversia derivada, las partes se someten a la jurisdicción de los tribunales competentes de la Ciudad de México, renunciando a cualquier otro fuero. 

FLUMEXA, S.A. 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ACEPTACIÓN DE LOS TÉRMINOS\nAl utilizar los servicios ofrecidos FLUMEXA, S.A. DE C.V. (“FLUMEXA”), el Usuario acepta expresa e íntegramente los presentes Términos y Condiciones (los “Términos”). Si el Usuario no está de acuerdo con estos Términos, deberá abstenerse de utilizar los servicios de FLUMEXA.
\n2. DEFINICIONES Y REGLAS DE INTERPRETACIÓN\nLos términos definidos en mayúsculas tendrán el significado que se les atribuye a continuación o en el cuerpo de estos Términos, aplicando al singular y plural según corresponda. 

“Usuario” o “Mandante”: Persona jurídica que designa a FLUMEXA como su agente tesorero de pagos a través de la utilización de los servicios descritos en los presentes Términos. 

“Instrucción”: Directriz del Usuario a FLUMEXA en su calidad de mandatario para que éste realice una operación de envío o recepción de fondos en calidad de agente del Usuario.
\n“Beneficiario Designado”: Persona o entidad a la que el Usuario ordena realizar una transferencia y con quien guarda una relación comercial motivo por el cual genera la Instrucción.
\n“Cuenta para Pagos”: Cuenta bancaria designada por FLUMEXA para la recepción de los fondos que serán transmitidos por instrucción del Usuario a los Beneficiarios Designados.\n
“Servicio”: El servicio de agente de pago y transmisión de fondos en el contexto de mandato otorgado por el Usuario a FLUMEXA en los términos de estos Términos y Condiciones.

\n3. OBJETO Y ALCANCE DEL SERVICIO\n3.1. Naturaleza del Servicio: el Usuario designa a FLUMEXA como su Agente Tesorero de Pagos (en adelante, el \"Agente\"). El Agente actuará en todo momento por cuenta, orden y riesgo exclusivo del Usuario ejecutando las Instrucciones de pago que este le imparta para abonar los montos a los Beneficiarios que el Usuario indique. Por lo tanto, FLUMEXA no asume ninguna responsabilidad o riesgo comercial, financiero o legal derivado de la Instrucción (incluyendo la relación subyacente entre el Usuario y el Beneficiario Designado). Las obligaciones de FLUMEXA se limitan estrictamente a la ejecución de la Instrucción conforme a estos Términos y a la disponibilidad de los fondos provistos por el Usuario para tal fin.

\n4. PROCEDIMIENTO E INSTRUCCIONES\nPara que FLUMEXA ejecute una transferencia, el Usuario deberá proporcionar a FLUMEXA una Instrucción completa, correcta y veraz por escrito o mediante tecnología API. Dicha Instrucción deberá incluir, como mínimo: (i) Nombre completo o razón social del Beneficiario, (ii) Datos bancarios completos del Beneficiario, (iii) Monto de la operación, y (iv) Motivo o causa del pago.\n
- Validez de la Instrucción: Las Partes acuerdan que toda Instrucción enviada desde los correos electrónicos registrados del Usuario o mediante sus credenciales de API se presumirá válida y emitida válidamente por el Usuario. Es responsabilidad exclusiva del Usuario asegurar la seguridad, autenticidad e integridad de dichos canales. FLUMEXA no será responsable por ejecutar Instrucciones que aparenten ser válidas, aun si estas fueran\nfraudulentas, erróneas o no autorizadas.\n
- Obligación de Fondeo Previo: La obligación de FLUMEXA de ejecutar una Instrucción está estrictamente condicionada a la recepción previa y satisfactoria de la totalidad de los fondos necesarios en la Cuenta para Pagos. FLUMEXA no otorgará créditos ni realizará adelantos de fondos bajo ninguna circunstancia.\n
- Origen de los Fondos: El Usuario es el único responsable de asegurar el fondeo oportuno de la Cuenta para Pagos. a) Los fondos deberán provenir de una cuenta bancaria de titularidad del propio Usuario. 

b) Fondeo desde Terceros: FLUMEXA podrá, a su entera y exclusiva discreción, aceptar fondos provenientes de un tercero que actúe por cuenta del Usuario. FLUMEXA se reserva el derecho absoluto de rechazar cualquier fondeo proveniente de terceros no aprobados o de fuentes no verificables, sin que ello genere responsabilidad alguna.
\nY.5. Ejecución: Una vez recibida la Instrucción válida y los fondos suficientes FLUMEXA procederá a ejecutar el pago. La obligación de FLUMEXA como Agente se entenderá total y correctamente cumplida al momento de emitir la orden de transferencia al sistema bancario o de pagos correspondiente. FLUMEXA no será responsable por demoras, errores o rechazos imputables a las entidades financieras intermediarias o de destino.\n
Y.6. Indemnidad: El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, incompletas, interceptadas o no autorizadas. El Usuario se obliga a mantener indemne a FLUMEXA frente a cualquier reclamación, demanda, daño o pérdida derivada directa o indirectamente de Instrucciones erróneas, interceptadas o no autorizadas.\n

5. COMISIONES Y TARIFAS\nEl Usuario deberá pagar a FLUMEXA las comisiones vigentes por cada Instrucción procesada. Las comisiones serán aquellas establecidas de común acuerdo entre las partes en el marco del uso de la Plataforma, a través de la plataforma, o bien las que la Plataforma arroje automáticamente al momento de generar la Instrucción, según corresponda. Los impuestos derivados de la prestación del Servicio, incluyendo el IVA, correrán a cargo del Usuario. FLUMEXA podrá actualizar las tarifas previo aviso razonable a través de sus canales de comunicación oficiales.\n

6. PLAZOS DE TRANSFERENCIA Y REEMBOLSOS\nFLUMEXA efectuará las transferencias en el día o periodo indicado por el Usuario, siempre que los fondos estén disponibles en la Cuenta para Pagos. En caso de error o reversión de una operación, los fondos serán devueltos a la cuenta de origen del Usuario. FLUMEXA no será responsable por pérdidas derivadas de errores en la información proporcionada por el Usuario.

\n7. IDENTIFICACIÓN Y CUMPLIMIENTO NORMATIVO (KYC / PLD-FT)\nAntes de realizar cualquier Instrucción, el Usuario deberá proporcionar a FLUMEXA toda la información y documentación de identificación requerida por la Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita y las políticas internas de FLUMEXA. FLUMEXA podrá suspender, cancelar o rechazar servicios en caso de incumplimiento o sospecha de irregularidades. El Usuario declara que los fondos provienen de fuentes lícitas y que ninguna persona relacionada se encuentra en listas de sancionados (OFAC, ONU u otras aplicables). El incumplimiento de estas obligaciones se considerará falta grave, facultando a FLUMEXA a rescindir la relación y trasladar eventuales sanciones que resulten del incumplimiento del Usuario.

\n8. PRIVACIDAD Y DATOS PERSONALES\nFLUMEXA actúa como Responsable del tratamiento de datos personales conforme a la Ley Federal de Protección de Datos Personales en Posesión de los Particulares, y tratará la información del Usuario conforme a su Aviso de Privacidad, disponible en su sitio web. El Usuario reconoce haber sido informado del tratamiento de sus datos personales y otorga su consentimiento para su uso conforme a los fines establecidos.\n

9. RESPONSABILIDAD Y FUERZA MAYOR\nFLUMEXA no será responsable por la imposibilidad de prestar el Servicio cuando existan casos fortuitos o de fuerza mayor, incluyendo: fallas en sistemas interbancarios, desastres naturales, pandemias, conflictos armados, sabotaje, actos de autoridad, entre otros. En tales casos, FLUMEXA quedará exento de responsabilidad mientras subsistan las causas que impidan la ejecución del Servicio.

\n11. NOTIFICACIONES Y CONTACTO\nCualquier comunicación entre las Partes podrá realizarse al siguiente domicilio y medios oficiales:\n
Para FLUMEXA
\nDirección: BLV. Manuel Avila Camacho 1910 Int 46, Ciudad Satelite, Naucalpan de Juarez, EM C.P. 53100-CR-53101\nCorreo electrónico: operations@flumexapay.com\n
Para el Usuario
\nDirección\nCorreo electrónico: 
FLUMEXA podrá notificar al Usuario a la dirección o correo electrónico registrado. Cualquier cambio deberá comunicarse por escrito; de no hacerlo, las notificaciones enviadas al último domicilio o correo registrado se considerarán válidas.

\n12. MODIFICACIONES Y CESIÓN\nFLUMEXA podrá modificar estos Términos en cualquier momento, publicando la versión actualizada en sus medios oficiales. El uso continuado de los servicios tras la publicación de modificaciones constituye aceptación tácita de las mismas. El Usuario no podrá ceder derechos u obligaciones derivados de estos Términos sin autorización escrita de FLUMEXA.

\n13. INTEGRIDAD Y ENCABEZADOS\nEstos Términos constituyen el acuerdo íntegro entre FLUMEXA y el Usuario respecto al uso del Servicio, y sustituyen cualquier otro acuerdo previo. Los encabezados son meramente referenciales y no afectan la interpretación del texto.

\n14. LEGISLACIÓN Y JURISDICCIÓN\nEstos Términos se regirán conforme a las leyes aplicables en México. Para cualquier controversia derivada, las partes se someten a la jurisdicción de los tribunales competentes de la Ciudad de México, renunciando a cualquier otro fuero. 

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