Dolphin Cards - Card Holder Agreement

Last updated April 17, 2025

Multiple Credit Products and Electronic Media Services Contract (the "Contract") entered into by and between Luna (the "Company" or "Luna"), on one part, and THE CLIENT (the "Client" or "You", and jointly with Luna, the "Parties"), on the other part, in accordance with the following representations, definitions and clauses:

REPRESENTATIONS

I. - Luna represents, through its legal representatives, that:

a) It is a limited liability company.

b) Its legal representatives have sufficient authority to enter into this "Contract".

c) It desires to enter into this "Contract" with the CLIENT, with the purpose of providing the services referred to herein.

II. - The CLIENT represents, under penalty of telling the truth, that:

a) They are a natural person of legal age with full legal capacity to enter into this "Contract".

b) All information provided to Luna is true, and it is their will to enter into this "Contract" to be bound by the terms and conditions established herein.

c) In entering into this "Contract", they act on their own behalf.

d) The origin of the funds related to the products covered by this "Contract" is lawful and the CLIENT is the sole owner and provider of said funds.

e) Prior to signing this "Contract", Luna, and/or its business partner, made them aware of its contents and, once executed, the "Contract" and the "Terms and Conditions" applicable to any business partner through which they access Luna's services, cards or products contracted hereunder were delivered to them via email.

DEFINITIONS

For purposes of this "Contract", the terms indicated below shall have the following meanings:

"CHIP" Means the integrated circuit contained in your physical Credit Card.
"Contract” and/or “Terms and Conditions" Means, collectively, this instrument, the Business Partner's Terms and Conditions, and any other annex that may be added in the future and, if applicable, will be sent to your email upon acceptance of this Contract.
"Total Annual Cost (CAT)" The Total Annual Cost of financing expressed as an annual percentage rate that, for informational and comparison purposes, incorporates all costs and expenses inherent to the Credit.
"Credit” or “Luna Credit" Means the simple credit product associated with a credit card that Luna makes available to you through this Contract.
"Business Day" Means any day (except Saturday or Sunday) on which banking institutions are not required to close their doors or suspend operations.
"Mobile Device" Means the technological equipment that allows you to access mobile applications so that you can use the Electronic Media Services provided by Luna.
"Statement of Account" Means the document that Luna will make available to you via the email address you have registered and referred to in clause 26 of this Contract.
"Authentication Factors" Means the mechanisms used by Luna to verify your identity and authenticate you so that you can perform Transactions.
"Cut-Off Date" Means the day of each monthly period on which the recording of transactions made with the Card will conclude and the next monthly period will begin, which is indicated on your Statement of Account.
"Payment Due Date" Means the deadline for paying the Outstanding Balance for the corresponding monthly period, which you can consult on your Statement of Account. When such date falls on a non-Business Day, it will be moved to the immediately following Business Day.
"Electronic Signature" Means the data in electronic form contained in a Data Message, or attached or logically associated with it by any technology, which are used to identify the Signatory in relation to the Data Message and indicate that the Signatory approves the information contained in the Data Message, and which produces the same legal effects as a handwritten signature, being admissible as evidence in court.
"Signatory". Means, for the purposes of this Agreement, the Client who contracts the products offered in this Agreement.
"Ordinary Interest". Means the amount resulting from applying the annual ordinary interest rate indicated in this Agreement or the Commercial Partner's Terms and Conditions.
"Collateral Guarantee”, “Guarantee” or “Collateral". As a guarantee for the fulfillment of each and every obligation undertaken in this agreement by the Client, the Client irrevocably assigns in favor of Luna, any guarantee payment made to Luna, from now on, with the understanding that the assigned amount must maintain, at all times, a proportion of no less than 1 to 1 in relation to the Outstanding Balance of the Credit Limit. All amounts that you contribute to Luna to guarantee your Credit Limit with Luna will be available to Luna to cover any expense authorized by this agreement. If you choose to use the remaining amount of your Guarantee to settle an Outstanding Balance, or if a portion or the entirety of the Guarantee is settled due to non-payment, the amount of the Guarantee will be reduced by the settled amount and the remaining amount will be considered the active Guarantee going forward. Any amount contributed for the purpose of guaranteeing your Credit Limit will be the property of Luna until, at your request, the non-settled amount is returned through the original form of payment. There will be no accessory benefit or interest granted during the term of the Guarantee or at the time of its partial or complete return.
"Late Payment Interest". Will be the amount resulting from applying the annual late payment interest rate indicated in this Agreement or the Commercial Partner's Terms and Conditions, which will always be equal to 1.75 times the Ordinary Interest rate, on the past due Outstanding Balance in accordance with the provisions of the Clause entitled "OUTSTANDING BALANCE/CREDIT LIMIT".
"VAT". Means, by its acronym, Value Added Tax.
"Credit Limit". Means the available amount of your Credit, which will decrease based on the charges you make to your Credit.
"Visa” or “MasterCard” or “Carnet” or their equivalents. Mean, for the purposes of this Agreement, the clearing houses responsible for routing, clearing, and settling the Operations you perform linked to your Credit.
"Technological Identification Mechanism". Means the technological procedure through which Luna will carry out the verification of your valid identification document.
"Electronic Medium". Means the equipment, optical media or any other technology, automated data processing systems and telecommunication networks through which you can use the services that Luna makes available to you for contracting products and carrying out Operations.
"Data Message". Means the information generated, sent, received or archived by Electronic Media, optical or any other technology.
"PIN". Means the Personal Identification Number that, for the purposes of this Agreement, you designate during the contracting of your Credit.
"Operations". Means all those transactions that you can perform, order, authorize or execute through the Services under the terms provided in this Agreement; as well as the transactions you make through your Credit Card, charged to the Credit under this Agreement.
"Minimum Payment". Means the minimum amount indicated on the Statement of Account that you must pay before, or by the Due Date to avoid generating Late Payment Interest, in accordance with the provisions of this Agreement. That is, if you make your Minimum Payment before, or by the Due Date, you will only have to pay Ordinary Interest on your Outstanding Balance. This minimum value is established in accordance with Clause 14 entitled "PAYMENT OF PRINCIPAL AND INTEREST" of this Agreement.
"Beneficial Owner". Means that natural person who, through another person or any act or mechanism, obtains the benefits derived from an account, agreement or Operation and is, ultimately, the true owner of the resources, having rights of use, enjoyment, exploitation, disbursement or disposition over them.
"Provider". Means any establishment operated by a third party that provides services. Remember that you can only use your Credit to pay Providers that accept it and whose line of business is legal and approved by Luna.
"Resource Provider". Means a person who, without being the holder of the Credit, regularly contributes resources to it without obtaining the economic benefits derived from it.
"Outstanding Balance". Means the amount pending payment derived from the Credit and demandable by Luna, in accordance with the provisions of this Agreement.
"Advanced Mobile Services". Means the Electronic Media Service, in which the Access Device is uniquely associated with the User Identifier, by means of any unique information or data of the Access Device itself.
"Electronic Media Services". Means the set of services and operations that Luna and/or its affiliated providers may offer you through Electronic Media.
"Commercial Partner". Is any natural or legal person who has a commercial relationship with Luna and through whom the CLIENT can access Luna's services, cards or products.
"Credit Application". Electronic format that you complete, which contains your general data and information necessary for Luna to evaluate whether it can grant you the Credit you are requesting.
"Credit Card". Means, jointly, the Physical Card and/or Virtual Cards that you obtain as a means of drawing on the Credit under the Agreement.
"Physical Card". Means the physical payment and drawdown medium issued by Luna in your favor, which is personal and non-transferable, issued free of charge under this Agreement. The Physical Card will have an integrated circuit or CHIP that can store and process information in order to verify the transactions you make, through cryptographic procedures.
"Virtual Card". Means the digital payment medium issued by Luna in your favor, which is personal and non-transferable, issued under this Agreement and to which you have access through the Services.
"Mobile Phone". Means the smart device for accessing telephone services, which has an assigned unique identification number and uses public cellular or radio frequency communication.
"Partner's Terms and Conditions". Is the document that the commercial partner and service provider makes available to the Customer and which contains the specific terms and conditions under which the Customer may access Luna's services, cards or products through said commercial partner.
"Brand Owners". Means, for purposes of this Agreement, VISA, Mastercard, Carnet and/or any other brand.
"CAU” or “Customer Service Center". Means Luna's Customer Service Center whose purpose is to address Customer inquiries, claims and/or clarifications. In the event that you have accessed Luna's services through a commercial partner, you may receive assistance from both Luna's CAU and the commercial partner's customer service, as appropriate to the nature of your inquiry. Inquiries related to the Credit, the Card and Transactions must be directed to Luna's CAU, while inquiries related to the commercial partner's specific services must be directed to their customer service.

The definitions established above shall also apply in their singular and plural forms as required by context; any pronoun shall include the corresponding masculine, feminine and neutral forms. Unless expressly stated otherwise, all references to Clauses, sections, or annexes shall be interpreted as references to the Clauses, sections or annexes of this Agreement. The words "herein", "in the present", "hereunder", "in this agreement", "this agreement" "below" and words of similar meaning, when used in this Agreement, shall refer to this Agreement as a whole and not to any particular Clause, section, paragraph, article or part of this Agreement.

Any reference to the second person singular (you, your, etc.) shall refer to the Customer. Likewise, any reference to the first person plural or singular (we, us, our) shall refer to Luna.

INDEX OF PRODUCTS OR SERVICES

This Agreement covers the products indicated below, and their formalization shall be documented through the Terms and Conditions that Luna and/or its commercial partner delivers to the Customer for each of the contracted products or services, subject to the consent granted by the Customer through the Electronic Means enabled for this purpose in accordance with the provisions of Clause 1 of this instrument.

1. Luna Credit Card

2. Electronic Media Services

CLAUSES

CHAPTER I. PURPOSE AND FORMALIZATION OF PRODUCT CONTRACTING

1. PURPOSE AND CONSENT. This Agreement establishes the terms and conditions applicable to the products and services set forth in the "Index of Products" indicated above ("the Services"), which Luna will provide to you in the event that you express your consent to contract each of them through Luna. It is important that you take into account that the Services are presented through electronic means, which will serve as a communication channel between the parties, to contract the products and services covered by this Agreement; however, their use does not imply the automatic contracting of the same, since for this you must request it and express your consent as indicated in this clause. You will only be bound by the terms and conditions of the product or service that you consent to contract, as well as the generally applicable terms and conditions.

1.1. The Parties agree that the Customer's express consent for the contracting of any product or service covered by this Agreement shall be granted through the Electronic Means and/or Electronic Signature in accordance with applicable laws and regulations. Said consent shall have the same legal effect as that produced by a handwritten signature.

1.2. The formalization of the contracting of the products and services covered by this Agreement shall be effected by delivering, to the email address you register, this Agreement, the applicable Partner's Terms and Conditions, and any other document that Luna or its commercial partner deems necessary to make available to you.

1.3. By accepting this Agreement, you consent for Luna to provide information related to this Agreement solely and exclusively to those providers who need to know it in order to provide the services covered by this Agreement.

1.4. You express your understanding and acceptance for Luna to access the geolocation of your Computer or Mobile Phone during the contracting process of any of the products it offers and at the time you perform Transactions.

1.5. The Parties agree and acknowledge that in contracting any of the products covered by this Contract, Luna does not condition its execution, opening or granting on the Client contracting any other product. Luna may offer you products and services from other entities that may be linked to the products and services offered in this Contract, provided that Luna has your express consent to contract the additional or linked products or services with the products detailed in this Contract, and it is your undeniable right to contract said services or products through an independent third party other than the entities suggested by Luna.

CHAPTER II. CLAUSES APPLICABLE TO THE CREDIT CARD

2. CREDIT OPENING. Through this Contract, Luna makes the Credit available to you.

2.1. The credit opening will require a Collateral Guarantee contribution that will be charged and received by Luna as a precondition to establishing a Credit Limit with Luna.

2.2. Luna will be obligated to pay on your behalf and order, the goods and services provided to you by the establishments where you pay with your Credit, up to the amount of the purchase made with it, provided you have an available balance on your Credit Limit.

2.3. The Credit amount does not contemplate the interest or expenses that may be caused and/or derived from the Credit.

3. MEANS OF CREDIT DISPOSAL. Derived from the granting of the Credit and so that you can dispose of it, Luna will issue you Virtual Cards, and, for an extra charge and at your request, a Physical Card that will be sent to the address you indicate during contracting. Both card forms will be for international use.

3.1. When you receive your Physical Card, you must activate the card through the customer service center. For security reasons, Luna will always send you the Physical Card deactivated for use.

3.2. For your security, Luna may preventively block any of the Credit Cards if we detect unusual Transactions and/or if we consider it necessary for you to send new documents or photos or access proofs to your Mobile Device to prove your identity, in which case we will be clear on what documents or proofs you need to send and they will be requested from you in advance through your email.

3.3. You will be the sole and exclusive holder of the Credit Card, so its use is personal, that is, no one other than you can use it. The use of the Credit Card by anyone other than you will be grounds for termination of this Contract without liability for Luna.

3.4. With your Credit Card you can pay for goods, services, taxes and other concepts, as well as withdraw cash through ATMs or through the commissioned agents that Luna may have enabled, which will be informed to you through our Website.

4. FEES AND CHARGES. Luna charges certain fees and commissions for the products and services covered in this Contract.

However, if you have acquired the card through a third-party partner that is not Luna, additional fees and charges may apply from said specific partner related to their terms of service and your relationship with them. Be sure to review any additional terms provided in the context of acquiring this card, as these listed charges may not be a complete list of the charges associated with using your card, according to third-party rates and commissions.

The fees and commissions charged by Luna include:

[#] Concept: Amount; Frequency

[1] Fixed Ordinary Interest Rate: 0%; N/A

[2] Annual Fee: $0; N/A

[3] Physical Card (original): $0; N/A

[4] Replacement of physical or virtual card: $50 USD + VAT

[5] Cash withdrawal at ATMs: $0; N/A

[6] Use abroad, per transaction: $0; N/A

[7] Collection expenses: $0; N/A

[8] Minimum opening amount: $0; N/A

[9] Inactivity charge: $0; N/A

[10] Minimum balance: $0; N/A

4.1. The fees and charges described in this section correspond solely to the services provided directly by Luna. The business partner through which you accessed Luna's services may charge additional fees and charges for their own services, which:

a) Will be independent of Luna's fees and charges;

b) Will be established in the Business Partner's Terms and Conditions;

c) Will be charged directly by the business partner; and

d) May include, but are not limited to: service fees, payment processing charges, or other specific charges from the business partner.

4.2. It is your responsibility to review and accept both Luna's fees and the business partner's fees before using the services. Luna will not be responsible for the fees and charges collected by the business partner.

5. ACTIVATION. You may begin using the Physical Card and/or Virtual Card once you have activated it by following the steps that Luna will communicate to you through the customer service center, with the understanding that following that process implies that you are expressly requesting activation of either your Physical Card and/or Virtual Card. In any case, to access the customer service center and activate your Physical Card and/or Virtual Card, you must use the Authentication Factors that you have registered under this Agreement. The Physical Card will always be delivered to you deactivated.

5.1 No charge to your Credit will be valid if your corresponding Credit Card has not been activated, except for recurring charges or those you have previously authorized, and there has been a replacement.

6. CHARGES TO YOUR CREDIT. As a Customer, you acknowledge and authorize Luna to make the following charges to your Credit:

I. The amount of payments for goods, services, taxes, and other items that Luna makes on your behalf, when: (a) you sign sight promissory notes or other documents accepted by Luna with your handwritten signature and/or any means that substitutes your handwritten signature, and they have been delivered to the establishment; (b) they have been authorized by means of your PIN or by electronic means; or (c) you have requested the purchase of goods or services from establishments by telephone or electronic means;

II. The agreed charges and fees under this Agreement; and

III. The Ordinary Interest and Late Payment Interest, as applicable, agreed under this Agreement; and

IV. VAT, or any other tax established by the respective laws.

7. ADDITIONAL CARDS. In the event that Luna issues additional cards, you may request them, with the understanding that said cards will be additional means of accessing your Credit, and any charges made with them will be deducted from your available Credit. You will be solely responsible for covering any part of the Credit that has been used through the additional cards. In no case will the persons you have authorized to use the additional cards be jointly or secondarily liable for payment of the Credit, unless these persons improperly use their additional card after your death, in which case, Luna may require each of them to pay for the Transactions they have made charged to your Credit.

8. OUTSTANDING BALANCE/CREDIT LIMIT. The Outstanding Balance will be composed of: (i) charges to the Credit derived from Transactions and/or transactions made with the Credit Card, including deferred or installment purchases; (ii) charges based on prior authorizations for transactions with the Credit Card; (iii) interest and taxes; and (iv) renegotiation of the Credit Card's payment terms in agreement with Luna.

8.1. You may consult the total amount of your Credit, your Outstanding Balance, and your Credit Limit: (i) through the Online and Application-based Electronic Services, or; (ii) the Statement of Account that we will send to your email when your Credit is not fully secured by the Collateral Guarantee.

9. REDUCTION OF CREDIT BY Luna. Luna may restrict the use or decrease the Credit Limit, for which you will be notified via your email address.

10. REDUCTION OF CREDIT LIMIT AT CUSTOMER'S REQUEST. You may request a reduction of your Credit Limit at any time through the customer service center (CSC) or through the service channels it provides and informs you about through the Services.

11. INCREASE OF CREDIT LIMIT. According to your Collateral Guarantee contributions, Luna may offer you an increase to the amount of your Credit Limit. For this increase to take effect, you must first accept it through the Services by using the Authentication Factors requested for that purpose. You will always have full discretion to accept or reject the Credit Limit increase, and Luna can never increase your Credit Limit without your prior consent.

11.1. Remember that, in case it is appropriate under the previous point, Luna will only offer you an increase in your Credit Limit through the Services, so we will not call you or send you any emails in these cases. If you receive an email that appears to be from Luna with this content, notify us immediately and please disregard it, as it could be an attempted fraud.

12. PURPOSE OF THE CREDIT. You may only use the Credit, as stated in the Credit Application, exclusively for personal and lawful purposes, accepting that otherwise, you may be subject to applicable civil and criminal sanctions.

13. CREDIT OPERATION AND USE OF THE PHYSICAL CARD AND/OR VIRTUAL CARD. You may access the Credit by using your Physical Card and/or Virtual Card at places that accept it as a means of payment, as well as: (i) to pay for goods or services at places that allow payment through this means, in which case for each purchase you must show your Physical Card and sign a promissory note payable on demand, or any document accepted by Luna by means of a handwritten signature or any means that substitutes your handwritten signature, such as your PIN. Likewise, if requested, you must present your official photo identification to carry out the Transaction; (ii) by requesting Luna in writing to make payments on your behalf and charge to your account for any goods, services, taxes and/or any other services provided that Luna agrees to make such payments; (iii) to pay for goods or services at establishments that allow payments using this means of access, for purchases made by telephone or electronically as the case may be with establishments that allow this service; and (iv) through authorizations you grant to third parties to instruct Luna to make periodic and/or deferred charges to the Credit subject, as applicable, to the terms and conditions of the periodic and/or deferred charge that you have agreed with the third party.

13.1. Unauthorized use of your Credit may result in its blocking or cancellation, in which case the Credit Card as a Means of Access will be blocked or canceled. Luna considers the following as unauthorized use: (i) conducting Transactions to access the funds of your Credit using collection tools such as point-of-sale terminals, payment links and/or applications in an attempt to avoid costs and limits related to cash withdrawals ("self-funding or cash-out"); (ii) attempting to commit fraud against a merchant, or an individual or legal entity, (iii) payment for any good or service contrary to legal and administrative provisions, morals and good customs; (iv) payment for goods or services that promote or contain sexual content involving minors under 18 years of age, related to pedophilia, pornography, nudity of minors, whether real or simulated; and/or (v) operations that promote or facilitate or allow violence of any kind, discrimination of any kind, prostitution, money laundering, terrorism or its financing, trafficking or production of weapons, persons or animals, illegal substances, or other illegal activities.

13.2. You agree and are aware that Luna may terminate this Agreement and/or suspend, cancel, temporarily or permanently your Credit in case it determines that you carried out any of the actions described in the previous paragraph or if Luna discovers or has reasonable suspicion of fraudulent or criminal behavior related to your Credit or expenses.

13.3. You expressly authorize Luna to charge and, therefore, charge your Credit for interests, taxes or as agreed in this Agreement. With certain types of purchases (such as those made at restaurants, hotels or similar purchases), your Card and/or Credit Limit may be "pre-authorized" for an amount higher than the transaction amount to cover tips or unforeseen expenses. Any pre-authorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount for your purchase. Once the final payment amount is received, the held pre-authorization amount will be removed. During this time, you will not have access to the pre-authorized amounts. If you authorize a transaction and then do not complete the purchase of that item as planned, the approval may result in a hold on that amount of funds.

13.4. Any deferred or installment payment agreed upon outside of the Services regarding a purchase charged to your Credit will be your responsibility and that of the establishment that sold said good or service.

13.5. Furthermore, when making deferred or monthly installment purchases, you are aware that the total amount of the purchase price plus the corresponding interest and VAT will be charged to the Credit Limit and that the amount corresponding to each installment will be released for respective payment on the Cut-off Dates.

13.6. Luna is not responsible in cases where the establishment has restrictions on the use of the Physical Card and/or Virtual Card. Likewise, Luna will not be responsible for discrepancies or dissatisfaction with the price, condition, quality or delivery of the services or goods acquired through the Credit.

14. PAYMENT OF PRINCIPAL AND INTEREST. Monthly, you must pay Luna by the Payment Due Date: (i) the total Outstanding Balance as of the respective Cut-Off Date, in which case no Ordinary Interest or Late Payment Interest will be generated; or (ii) partially pay the Outstanding Balance as of the respective Cut-Off Date, which may be: (a) the amount corresponding to the full Minimum Payment owed, in which case only Ordinary Interest will be generated on the daily Outstanding Balances; or (b) a portion of your Minimum Payment, in which case Ordinary Interest and Late Payment Interest will be generated under the terms explained below. Luna will settle your Outstanding Balance with the remaining Collateral amount, if no other payment is made before the Payment Due Date.

15. COLLATERAL PAYMENT. You may make Collateral contributions through any of the payment methods accepted by Luna, which will be considered Collateral payments aimed at increasing your Luna Credit Limit.

16. ORDINARY INTEREST. As a Client, you are obligated to pay Luna Ordinary Interest (plus respective VAT) at a fixed annual interest rate on the Outstanding Balance of your Credit from your Payment Due Date. The Ordinary Interest rate is indicated in this Contract or in the Commercial Partner's Terms and Conditions. Interest will be calculated by multiplying the average daily Outstanding Balances by the annual interest rate, by the number of actual calendar days elapsed each calendar month, and dividing the result by 360 (three hundred sixty). Interest payment cannot be demanded in advance, only for elapsed periods. The interest amount resulting per this clause will accrue VAT.

17. LATE PAYMENT INTEREST. If you do not pay at least the Minimum Payment by the Payment Due Date, you must pay Late Payment Interest, calculated as follows: (1) If the Credit is not yet due (within sixty (60) days after the Payment Due Date): calculated on the amount of unpaid Minimum Payments for each payment period, multiplied by the daily Ordinary Interest Rate (i.e., the Credit's Ordinary Interest divided by 360 (three hundred sixty)) times 1.75 (one point seventy-five), for the number of days in default; and (2) If your Credit is already due (60 (sixty) days or more from your Payment Due Date): calculated on the Outstanding Balance starting day 60 (sixty) of default, at the rate resulting from multiplying the applicable daily Ordinary Interest rate by 1.75 (one point seventy-five) for the number of days in default. Remember that any balance unpaid 60 (sixty) days after the Payment Due Date is considered due.

18. PARTIAL PAYMENTS. Payments made towards your Credit will be applied by Luna in the following order: (i) applicable VAT, (ii) Late Payment Interest, (iii) Ordinary Interest, (iv) Outstanding Balance from previous monthly periods, and (v) Outstanding Balance of the latest monthly period.

19. PERMITTED PAYMENT METHODS. You can make Credit payments to Luna for any amount or concept: (i) at bank branch teller windows enabled for such purposes, listed on the website, or (ii) through online and electronic services enabled by your preferred financial institution, at any time via bank transfer to the CLABE number provided by Luna, which you can find on the website. Additionally, constantly seeking to provide more flexibility, we will inform you if there are other ways to pay the Credit, through notifications to your registered email.

19.1. Transactions made through financial correspondents may incur an additional Commission, check before completing your transaction.

19.2. If you accessed Luna's services through a commercial partner, you can make payments through the payment methods provided by Luna or those specifically enabled by the commercial partner. In the latter case, the commercial partner will facilitate the payment, and Luna will recognize the payment once the funds have been effectively received. Processing and crediting times for payments made through the commercial partner may vary according to the partner's specific terms and conditions.

20. PAYMENT CREDIT DATES. Payments made towards your Credit's Outstanding Balance will be credited depending on the payment method used, either the same day or by the next banking business day at the latest.

21. PROCEDURE FOR CLARIFICATIONS AND CLAIMS. To clarify and verify any charge appearing on your Statement that you disagree with, you must contact us immediately. The only resolution from Luna for an unrecognized charge will be termination of your Cards, resetting your PIN and/or password, and resetting the codes to renew the Cards. Luna does not provide provisional credit or refunds for charges made before notifying us of an unrecognized charge or a lost or stolen Card.

If you accessed Luna's services through a commercial partner, claims must be submitted as follows:

a) For charges, transactions or aspects directly related to the Credit Card or Operations: directly with Luna through their CAU.

b) For aspects related to the specific services of the business partner, including additional charges or commissions charged by the business partner: directly with the business partner's customer service.

c) In case of doubt about who to address your claim to, you can contact either of the two customer service channels and they will guide you on the correct process to follow.

22. UNRECOGNIZED CHARGES. Until the account is registered with verified documents, Luna will not credit unrecognized charges. Credit Cards must be treated like cash. Any unrecognized charge must be immediately reported to CAU so that Luna can suspend the Cards.

23. THEFT OR LOSS OF PHYSICAL CARD. In case of theft or loss of your Physical Card, you must immediately contact Luna to file the corresponding report, through the service channels being: (i) Luna chat; and/or, (ii) directly to the customer service center, so that Luna can immediately block and cancel the Physical Card.

23.1. Luna will assign you a folio or reference number for the report you have filed, where it will keep a record of the date and time you made the report.

23.2. Once the theft or loss of the Physical Card has been reported, Luna will suspend any Transactions made through said Physical Card.

24. ACCOUNT STATEMENTS. You accept that the Account Statement will be sent to you monthly and free of charge to the email address you have registered only when your Credit is not fully secured by the Collateral Guarantee. The Account Statement will allow you to know the transactions and Operations recorded in the corresponding period and will clearly indicate the following information: (i) the total amount of charges resulting from the use of your Credit; (ii) the amount of Ordinary Interest and Late Payment Interest, the latter if applicable; (iii) the amounts that will be charged for interest and taxes arising from the financing operations you have contracted; (iv) the Payment Due Date; (v) the Minimum Payment Amount; (vi) the payment instructions; (vii) the Operations and (viii) the movements made against your Credit. Notwithstanding the foregoing, remember that at any time you may consult your movements and balances through Luna's Online and Application-based Electronic Services or its business partners.

24.1. You must verify all charges that appear on your Account Statement. If you do not agree with them, you may request clarification or file a claim with Luna under the terms of this Agreement.

24.2. For Account Statements sent when the Credit is not fully secured, Luna may suspend sending them if there have been no movements within the last six (6) months, in which case, said Account Statement will be sent at least semi-annually, with monthly sending resuming as soon as any movement is recorded.

CHAPTER III. CLAUSES APPLICABLE TO ONLINE AND APPLICATION-BASED ELECTRONIC SERVICES

25. CONTRACTING ONLINE AND APPLICATION-BASED ELECTRONIC SERVICES. To contract the Online and Application-based Electronic Services, you must express your consent electronically.

26. ACCESS TO ONLINE AND APPLICATION-BASED ELECTRONIC SERVICES. To use the Online and Application-based Electronic Services, you must authenticate your identity using a username and password as follows:

i) Your username will be the email address you assigned at the time of contracting. You must maintain access to this email address as it will be the only way we can verify your control over your account.

ii) You must generate your password during the contracting process and it must comply with the following rules: i) Minimum eight (8) characters; ii) Minimum one letter; iii) Minimum one number and iv) You cannot use more than three identical consecutive characters.

26.1 Luna may modify the rules for operation, access and authentication rules with the aim of improving your experience and security, which will be notified to you by email as provided in this Agreement related to modifications thereof.

27. LOGIN AND AUTHENTICATION FACTORS. To perform Transactions through the Online and Application-based Electronic Services, you must log in with your username and password. If you forget this data, you can contact our customer service channels. If you attempt to log in using incorrect authentication information more than five (5) consecutive times, your access will be blocked and you will have to contact the channels referred to here.

28. TRANSACTIONS THROUGH THE CUSTOMER SERVICE CENTER. You may carry out the following Transactions through the customer service center:

Request an increase to your Credit Limit or, where applicable, request a decrease to the approved Credit Limit;
Update your customer information;
Temporarily block your Virtual Card and/or your Physical Card;
Initiate the claim and clarification process for any charge to your Credit; and
Consult your movements, outstanding payment balance, Minimum Payment, Payment Due Date, remaining Credit Limit for drawdown, as well as information on your Credit Card.

29. NON-PERFORMANCE OF TRANSACTIONS THROUGH THE CUSTOMER SERVICE CENTER. Luna will not be obliged to provide services or carry out the Transactions instructed by you in the following cases:

When the transmitted information is insufficient, inaccurate, incomplete or erroneous;
When your Credit has been closed or blocked;
When your Computer, Mobile Device, or internet access is not updated, is incompatible, or presents any failure, usage restriction, or limitations of any kind that prevents access to the service;
When any of the Authentication Factors do not match those you registered for using the Services or accepting or instructing Operations; and
When the Operation is rejected by Luna based on its internal policy for fraud prevention or prevention of illicit activities.

30. ACCESS AND INSTRUCTIONS. You will have access to the Online and Application-based Electronic Services, by means of the Authentication Factors required by Luna.

31. RESTRICTION OF ACCESS TO SERVICES. Luna will prevent you from accessing the Services, when it detects an attempt to access fraudulently or without the correct Authentication Factors provided to you or registered by you. In such cases, Luna will notify you through the means you enable for such purposes, on how you can access the Services.

32. NON-TRANSFERABLE USE OF SERVICES. You are obligated at all times to make personal and non-transferable use of the Services provided by Luna, in accordance with the terms and conditions stipulated herein. You are obligated to operate personally and directly in the generation, delivery, storage, unlocking and resetting of any Authentication Factor linked to the use of the Services.

32.1. You are solely responsible for the use of your Authentication Factors, whether assigned to you or generated by you, so any Operation carried out through the use of the same via the Services will be understood as true and performed by you.

33. SERVICE HOURS. The Operations and Services we offer will be available to you seven (7) days a week, twenty-four (24) hours a day, unless Luna is performing service maintenance. Note that certain operations may only be credited or reflected in your Credit on Business Days, depending on the availability of services from other financial entities. In other words, this availability will depend exclusively on the service hours of the financial entities where the accounts you wish to transfer funds from to your Credit are located, as payment of the Outstanding Balance.

33.1. Luna may restrict the days and/or hours of service, although we will try not to do so unless it is a force majeure event. Luna will inform you, through the Online and Application-based Electronic Services, whether by email, the Luna app, or our business partners' digital platforms, of any changes in service hours.

33.2. Luna will inform you through the Online and Application-based Electronic Services, whether by email, the Luna app, or the digital platforms of our business partners you registered when opening your Credit, in case of Service failures, informing you of the service continuity options.

34. EFFECTS OF OPERATIONS, RECEIPTS AND NOTIFICATIONS. Operations executed successfully via the Credit Card within the permitted days and hours will take effect on the day they are performed.

34.1. You hereby authorize Luna to notify you of the Operations performed by you at the email address designated by you when opening the Credit or through the Online and Application-based Electronic Services.

35. INTELLECTUAL PROPERTY. You acknowledge that the corporate group to which Luna belongs owns all intellectual property, and in certain cases the Services provided. This intellectual property includes the following: a) trademarks, company names, service names, trade notices, trade dress, logos, Internet domain names and other distinctive signs, as well as all related applications, registrations, extensions and renewals; b) patents, patent applications and all related renewals, utility models, utility model applications, addition certificates, related extensions and renewals and invention registrations; c) industrial design registrations and industrial design renewal applications, related extensions and renewals; d) copyrights, computer programs, designs.

35.1. You agree not to violate, reproduce, imitate, in whole or in part, any intellectual property of Luna, as well as not to use any intellectual property of Luna for purposes other than those provided for in this Agreement and permitted by applicable legislation on the matter.

35.2. You accept that the Services will have constant updates and that sometimes, in order to use the Services, you will have to update it to obtain the latest version available in the official Apple (App Store) and Android (Google Play Store) app stores, as applicable. You also commit to having a Mobile Device with the minimum requirements that allow you to use and update the Services when needed.

36. IDENTIFICATION MEANS AND RESPONSIBILITIES FOR THEIR USE. AUTHENTICATION FACTORS. Luna will provide you with or instruct you to create Authentication Factors that you will use as means of access, identification, Operation authorization, and authentication to access the Services.

36.1. You agree with Luna that the Authentication Factors will be considered your means of identification that, in lieu of a handwritten signature, will bind you and produce the same effects as the latter and, consequently, will have the same evidentiary value, so the use of said Authentication Factors will bind you with Luna for: (i) the use of the Services; (ii) consent for the contracting of products when appropriate, which in that case, will be indicated to you through the Services; and (iii) the authorization, processing and/or execution of Transactions.

36.2 It is your sole responsibility not to allow third parties access to the Services or the Card or to disclose or allow the use of the Authentication Factors for the execution of Transactions, however we recommend that you never share this information or allow anyone else to use your Card.

36.3. Luna informs you that not safeguarding the access and use of the Services, and not preserving and protecting the Authentication Factors, can create a serious risk for you as you could be affected by unlawful acts such as fraud, identity theft, robbery, etc. Luna strongly suggests that you do not give access to the Card or the Services, or provide your Authentication Factors, to anyone including Luna employees. Likewise, we recommend that you do not keep your identification data and password in easily accessible places, or together.

36.4. Luna will make available to you free of charge, through our Website, by email, our blog or through our social networks (if we have the latter), with the frequency that we determine, but which will always be the best for you, information to avoid fraud or reduce any possible risk linked to your products and services.

36.5. Similarly, Luna will notify you through the Services or by email, in case it detects that unusual transactions are being made with your Credit.

36.6. In the event that you lose or have your Authentication Factors and access codes stolen, we provide you within the Services themselves the necessary instructions so that you can reset the new access codes, as well as report their theft or loss. In this regard, you must enter the Services and immediately change these access codes, being your responsibility any Transaction that has been made prior to notifying Luna of the theft or loss of your access codes or your Authentication Factors or prior to the change you have made. Additionally, in case of theft of your access codes or Authentication Factors, you may also contact Luna through customer service channels so that we can assist you with the request.

40. OBTAINING AND CHANGING THE AUTHENTICATION FACTORS. Before we can begin to provide you with the Online and Application-based Electronic Services, you must determine your password, as well as any additional Authentication Factor that is requested. Remember that your password, together with your client identifier (which is your Mobile Device authenticated with Luna) will function as Authentication Factors.

40.1. At any time, you may change your Authentication Factors directly through the Services. You will not be responsible for Transactions carried out using the Authentication Factors that you have modified and rendered invalid. The foregoing, with the understanding that we do not assume any responsibility and you are solely responsible for all Transactions made using your current Authentication Factors.

41. INSTRUCTIONS. Luna will not be responsible for the effects arising from errors in the instructions received from you, nor for any delay or tardiness you present in delivering authorization, processing and/or execution of Transactions.

42. DAMAGE, MODIFICATIONS AND MISUSE OF THE CARD OR SERVICES. Herein, you state and acknowledge that, in the event of accepting the use of Online and Application-based Electronic Services and, therefore, making use of the Luna Card, you will not use or dispose of it in a manner other than that established in this Agreement. You may not cause damage, alterations, modifications and/or impair it. Likewise, you acknowledge that the acceptance of Online and Application-based Electronic Services and, therefore, the use of Luna Services by you, cannot be considered a license issued by Luna in your favor.

42.1. The Card and Services cannot be used in any manner that generates harm or legal risk to Luna, its partners, and/or its affiliated providers, including, but not limited to, the following prohibited uses: (i) Using the Services for self-transactions or to purchase goods or services from a related party in order to move funds in circumvention of applicable regulations; (ii) Impersonating or attempting to impersonate Luna, a Luna employee, another Customer or any other person or entity (which includes, among others, the use of email addresses associated with any of the foregoing, or sending credentials or details related to the Services to other applications, websites or services of which you are not the legitimate account holder); (iii) Transmitting or procuring the sending of any advertising or promotional material without the prior written consent of the recipient, including, but not limited to, unsolicited mail, chain letters, spam or any other similar solicitation. (iv) Using the Services beyond their intended use, such as alterations, exploitations, misrepresentations, misuse or abuse; (v) Using the Services as a conduit for funds unrelated to any transaction originated from a specific card, for example, to receive refunds for purchases made outside of the Services or to accept money transfers. (vi) Sharing, selling or reselling the card, credentials or keys or codes of the card or other card details without prior written permission from Luna. (vii) Using the card to provide reviews for compensation or build an inauthentic purchase history for products or services from merchants or marketplaces; (viii) Using the Services to defraud or harm a merchant, such as seeking refunds without properly returning the merchandise, or using the card to acquire products or services without the legitimate purchase of those products or services through abandoned charges, accumulated unpaid invoices or false reports of non-receipt of goods or services; (ix) Falsely representing to Luna or a merchant any material detail related to a return or refund, or any dispute related to the transaction history; (x) Using the Services to pay for the shipping or transportation of goods that were stolen, falsely returned or not properly paid for; (xi) Using the Services to take advantage of new user benefits, referral programs or promotions offered by other merchants; or to abuse discounts or trials in a manner not intended or permitted by the merchant; or using the Services to violate the terms and conditions of a merchant, service or company.

The card and Services may only be used for lawful purposes and only used for the purpose and nature for which it was created, and cannot be used for any other purpose. Luna specifically prohibits any use of the card for: (i) providing fraudulent information, incomplete, false or inaccurate biographical data either during the User registration process or at any time during the term of the contractual relationship with Luna; (ii) refusing to provide any information, documentation or justification for any action, required by Luna; (iii) using any mechanism to prevent or attempt to prevent the proper functioning of the website, Luna's Services or content; (iv) revealing or sharing the Keys with third parties, or using the Keys for unauthorized purposes; (v) the use or attempted use of any machine, software, tool, agent or other mechanism to navigate or search the website, Luna's Services or content other than the search tools provided by Luna on its website; (vi) attempting to decipher, decompile or obtain the source code of any software program on the website; (vii) performing actions contrary to Law and/or that contravene the regulations and provisions issued by the Regulator(s) and/or any other corresponding public body; (viii) committing crimes, offenses, misdemeanors and/or damages of any kind, including discrimination and/or harassment, against any person.

42.2. In addition to the foregoing, you represent and acknowledge that, in the event that you and/or any person to whom you grant access to Luna's Services or the details of your Luna Card contained in your Computer or Mobile Device or in physical form, cause any impairment, alteration, modification and/or damage, you must cover Luna for the amounts resulting from the damages caused to Luna, as determined by experts specialized in the matter designated by Luna.

43. AUTHORIZATION OF COMMUNICATION WITH OTHER FINANCIAL ENTITIES. You hereby authorize Luna to establish contact with various national or foreign financial or similar entities, when this is required for the processing and/or execution of the Operations carried out by you.

44. CANCELLATION OF ONLINE AND APPLICATION-BASED ELECTRONIC SERVICES. You may request the cancellation of the Online and Application-based Electronic Services you have contracted with Luna, through the customer service channel. It is important for you to know that, in the event of canceling the Online and Application-based Electronic Services, you will still be able to use your Credit normally, as well as make payments on it through the number of your Physical Card, as well as continue receiving the Account Statements to the email address you have registered with Luna. We remind you that the Online and Application-based Electronic Services that Luna makes available to you are entirely for your benefit. Notwithstanding the foregoing, we remind you that the Online and Application-based Electronic Services you have contracted with Luna are completely free of charge.

44.1. Likewise, you may deactivate the use of the Online and Application-based Electronic Services through the customer service center at any time.

45. ADDITIONAL SERVICES. Luna may allow you to contract additional services and operations to those originally agreed upon or modify the conditions previously agreed upon when contracting the Online and Application-based Electronic Services, for which, in any case, we will make you aware of the terms and conditions of the additional services in advance and will request your consent by means of a second Authentication Factor in addition to the one you use to log in. In the event that you give your consent, the service will be enabled for use during the period that we have informed you in the terms and conditions accepted by you, without it being less than thirty (30) minutes from the time the contracting was carried out.

CHAPTER IV. GENERAL CLAUSES

46. TERM OF THE CONTRACT. The Contract will be effective as of the date on which you give your consent and will be in force indefinitely, being binding on the Parties. The Contract will continue to have legal effects until you have settled the outstanding debts owed by you arising from the Credit.

47. CAUSES FOR EARLY TERMINATION. Provided that you have not used the Credit granted under this Contract, you may terminate this Contract within 10 (ten) Business Days following its acceptance, by notifying Luna through our customer service team via email or chat.

47.1. You may request Luna to terminate the Contract at any time, in which case you will not be able to use the Credit again, but your obligation to pay the Outstanding Balance will remain in force. For the foregoing, you must follow the procedure set forth in the EARLY TERMINATION PROCEDURE clause, with the understanding that this Contract will be terminated when there is no Outstanding Balance, whether you have paid said balance directly or through the contracting of a new credit with another entity.

47.2. Luna acknowledges that the termination of the Contract may occur through another financial institution that, on your behalf and for your account, settles the Outstanding Balance of the Credit and notifies Luna of this matter, in compliance with the applicable legislation.

48. EARLY TERMINATION PROCEDURE. When you request early termination of the Contract, Luna will provide you with the applicable case number for said request through the same contact method. Likewise, for your security, once you have notified Luna of the early termination, Luna must verify the authenticity and veracity regarding your identity, which it will do by authenticating you through the Authentication Factors that will be informed to you at the time of requesting the early termination, which will in no case be greater or involve a more extensive process than the one you followed to contract your Credit.

48.1. At the time you request the cancellation of your Credit, Luna will block your Credit and cancel your Credit Card, in which case you must destroy said means of withdrawal and you will not be able to use the Credit from the date on which you notify the early termination of the Contract. The foregoing, even if you have not paid the Outstanding Balance. You must inform us in writing and under protest of telling the truth that you destroyed your Physical Card or, if applicable, that you no longer have it.

48.2. At the time you request the termination of the Contract, Luna must: (i) reject any withdrawal that is intended to be made against the Credit and, consequently, no additional charges may be made to your Credit from the moment the cancellation is made, except for those charges already made and not reflected; and (ii) cancel, without its responsibility, the collection of any product or service associated with the Credit, as well as the direct debit services on that date.

48.3. To cancel this Contract, you will not have to perform any act not provided for therein, so you will only have to follow the procedure set forth in this clause. Luna will not charge you any commission or penalty for canceling your Credit or terminating this Contract.

48.4. Luna must: (i) terminate the Contract no later than the Business Day following the day it receives your termination request, provided there are no outstanding debts. Otherwise, Luna will notify you no later than the Business Day following receipt of the request, that there are indeed outstanding debts and within five (5) Business Days following receipt of the termination request, it will notify you through the Online and Application-based Electronic Services, either by email, the Luna app, or our business partners' digital platforms, of the total outstanding Credit balance amount; and once the outstanding Credit balance is settled, Luna will automatically terminate the Contract; (ii) on the date the Contract is terminated, inform you, if applicable, of any balance in your favor, which will be available to you, as well as the way it can be refunded to you; (iii) send to your email address or keep available to you the document stating the termination of the Contract, within ten (10) Business Days from when the outstanding amounts were paid or on the next Statement Date; and (iv) report to the credit information companies that the Credit is closed with no outstanding balance.

48.5. As long as you do not pay the total outstanding Credit balance, the termination of the Contract will have no effect; however, Luna will always carry out the aforementioned actions, so Luna will refrain from applying additional charges, except for those already generated and not reflected in your Statement, as well as any accessory charges and interest accrued until the moment you settle the total Credit balance. Notwithstanding the foregoing, you will retain, as a Client, the same payment date and conditions you had prior to the termination request.

49. TERMINATION DUE TO DEATH. Our priority is you, and by virtue of having to anticipate all circumstances and protect your loved ones, in the unfortunate event of your death, any successor, beneficiary, heir of yours or any other interested party may request the cancellation of this Contract and therefore of the Credit, without liability to pay any outstanding balance or pending amount, in accordance with the following:

49.1. Within 180 (one hundred and eighty) calendar days following your death, the interested party must send an email to Luna, with the following documentation in digital format (the "Notification"): (i) death notification, including your full name, your Credit Card number and date of death; (ii) certified copy of the death certificate; (iii) copy of both sides of your official identification; (iv) copy of both sides of the interested party's official identification; and (v) selfie photo of the interested party holding their official identification.

49.2. The Credit must not show any transactions, Operations and/or use of the corresponding Credit Card from the date of your death; if this occurs, any charges after the date of death must be settled.

49.3. Once the Notification is received, Luna will review the documentation and if no additional information is required, it will inform the interested party of the termination of the Contract within ten (10) Business Days thereafter.

49.4. If additional information or clarification is required, Luna will contact the interested party within five (5) Business Days following receipt of the Notification.

50. CAUSES OF BREACH AND TERMINATION OF CONTRACT. In the event of any breach that has not been remedied within 30 (thirty) calendar days after Luna has notified you of the breach, you must pay, if applicable, the total amount of the outstanding balance at the end of said thirty (30) calendar days, including Operations that involve future periodic payments.

50.1. The following shall be considered causes of breach:

Improper use of the Credit or in contravention of the provisions of this Contract, including use of the Credit Card by someone other than you.
Failure to make payment for a period exceeding 180 (one hundred and eighty) calendar days.
If the information or statement provided by you as a Client to Luna is false, willfully incorrect or incomplete; or if you refuse to provide the requested information necessary to properly identify you as well as the origin of your resources in accordance with and in compliance with the applicable Anti-Money Laundering legislation.
If Luna receives instructions from any competent authority to terminate the Contract.
In the event of any blocking due to being listed on sanctions lists published by the Ministry of Finance and Public Credit.
In the event that the Client engages in criminal conduct, such as harassment, stalking, violence, among others, towards our workers, employees, advisors, administrators, officers or representatives of Luna, or any third party contracted by us. In this case, in addition to terminating the Contract, Luna reserves the right to proceed through the corresponding legal channels.
If Luna is declared bankrupt or enters into commercial bankruptcy proceedings.

50.2. In the event of any of the aforementioned causes of breach, the affected party may terminate the Contract without any judicial resolution at the time it becomes aware of said cause.

51. ASSIGNMENT AND DISCOUNT. You hereby consent and agree that Luna is authorized to negotiate, discount or otherwise assign jointly or separately the Credit and the rights derived therefrom, even before maturity, for which you authorize Luna to provide all the information that the assignee may require and that is in Luna's possession.

52. RESTRICTION OR TERMINATION. Luna reserves the right to restrict the amount of the Credit, and may terminate this Agreement at any time by simple written communication to you or through the Services, thereby limiting or extinguishing, as the case may be, your right to use the undisbursed balance of the Credit.

53. RECURRING OR PERIODIC PAYMENT SERVICE. Luna does not offer recurring or periodic charges contracted directly through Luna, so if you wish to make any, you must request them directly from the providers of the corresponding goods or services. Luna will process recurring charges that you authorize, provided that Luna has the minimum information to make such charge. You may object to periodic, direct debit or recurring charges under the terms and deadlines stipulated in Clause 24 "Unrecognized Charges and Clarification Procedure." You can cancel any periodic or recurring charge directly with Luna, without needing the provider's authorization, for which you must contact Luna through any of the means indicated in this agreement, so that Luna can provide you with the corresponding forms for such cancellation.

53.1. The cancellation you make of the recurring payment will take effect within a period not exceeding 3 (three) Business Days from the date on which you requested such cancellation from us. Remember that from that moment on, we will no longer charge the recurring payment to your Credit, so Luna will not be responsible for any breach you may have with the provider arising from said cancellation.

54. EXCLUSIONS TO CUSTOMER'S LIABILITY. Your payment liability for the Credit to Luna will terminate solely and exclusively in the following cases: (i) death, from the moment Luna is notified of your death, for which the corresponding death certificate must be presented through the customer service channels that Luna makes available to you; or (ii) theft, loss or cloning of the Credit Card, from the moment you notify Luna through the customer service means indicated in this Agreement.

55. NOTICES AND NOTIFICATIONS TO THE CUSTOMER. All notices and notifications you must receive arising from this Agreement will be made through the Online and Application-based Electronic Services, whether by email, the Luna app, or the digital platforms of our business partners.

56. DOMICILE OF THE PARTIES. Luna indicates as its domicile for the purposes of this Agreement the one stated in the Recitals chapter.

56.1. For your part, you indicate as your domicile for the purposes of this Agreement the one you provided when requesting the shipment of your physical Card; however, by signing this Agreement, you authorize Luna to send all notices and notifications it must make to you under this Agreement or any regulation through the Online and Application-based Electronic Services, whether by email, the Luna app, or the digital platforms of our business partners.

56.2. If either party changes its domicile, it must notify the other party five (5) Business Days in advance of the change, with the understanding that if it fails to do so, all notifications made to the email address or domicile established in this clause and registered with Luna will be valid and fully effective.

57. ARBITRATION AND GOVERNING LAW. Any dispute or claim arising out of or relating to this Agreement shall be resolved by binding individual arbitration rather than in court. The arbitration shall be administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules. The arbitration hearing shall take place in [location]. The arbitrator's decision shall be final and binding. By agreeing to arbitration, you waive the right to litigate in court or have a jury decide your claims, and agree that arbitration shall be conducted on an individual basis; class actions and class arbitrations are not permitted. This Agreement shall be governed by and construed in accordance with the laws of the State of [state], without giving effect to any choice or conflict of law provision or rule. If any provision of this arbitration agreement is found unenforceable, that provision shall be severed and the remainder of this agreement shall remain in force.

58. CONFIDENTIALITY. All information and documentation related to the operations and services performed by Luna shall be confidential and protected by financial secrecy. Such information may only be provided to the authorities that request it with a court order, in accordance with the applicable legislation on the matter.

59. ENTIRE AGREEMENT. The Agreement, together with the Application, the Business Partner's Terms and Conditions when applicable, and the current Privacy Notice constitute the entire agreement in relation to the granting of the Credit, and therefore prevail and replace any prior understanding, contract, agreement or covenant, whether oral or written, of any nature whatsoever.

60. CONTRACT MODIFICATION. Luna will notify you through the Online and Application-based Electronic Services, either by email, the Luna app, or our Business Partners' digital platforms, of any modification to this Agreement within 30 (thirty) calendar days prior to their effective date. If you do not agree with the modifications proposed by Luna, you may request termination of this Agreement within 30 (thirty) calendar days after Luna has notified you of the changes, without any liability, penalty or fee, and under the originally agreed conditions, having to cover, if applicable, any outstanding balances generated or that have been generated up to the date on which you wish to terminate the Agreement.

61. CLAUSE TITLES. The titles of the clauses appearing in the Agreement are intended to facilitate reading and therefore do not define or limit their content. For the purposes of interpreting the Agreement, you must adhere to the content of the declarations and clauses and not their titles.

62. EXECUTIVE TITLE. This Agreement, together with the Account Statements certified by the accountant authorized by Luna, shall be executive titles, without the need for signature recognition or any other requirement, and in such case, the certified Account Statement shall constitute full proof of the balances owed by you arising from the Credit.

62.1. You confirm that you are aware of the Agreement and understand the obligation you are acquiring, accepting the amount of the Credit granted to you, as well as the charges and expenses that may be generated, for which you sign in agreement.

63. DISPUTES WITH THE BUSINESS PARTNER. In the event of any dispute between the Client and the Business Partner, it must be resolved directly between said parties in accordance with the Business Partner's Terms and Conditions, without liability for Luna, provided that the dispute is not directly related to the Credit or services provided by Luna.