Terms and Conditions of COLEKTIA MÉXICO, S.A.P.I. de C.V.

Terms and conditions governing the use of the website https://colektia.com (the “Website”) operated by COLEKTIA MÉXICO, S.A.P.I. de C.V. (“Colektia”), with registered address at Bajío 360, Floor 13, Hipódromo Cuauhtémoc, C.P. 06100, Mexico City, Mexico. These Terms and Conditions apply to all individuals who access or otherwise use the Website (the “Users”).

By using the Website, Users acknowledge that they have read and accepted these Terms and Conditions, as well as the Privacy Notice, Security Policy, and Quality Policy available on the Website. These documents may be modified at any time without prior notice from Colektia.

1. GENERAL DESCRIPTION

Colektia is an AI-powered collections company focused on maximizing debt recovery through technology-driven tools and personalized strategies. We currently manage operations across Mexico, Colombia, Peru, and Chile.

2. ACCEPTANCE OF TERMS

By using our services, Users agree to these Terms and Conditions, as well as the Privacy Notice, Security Policy, and Quality Policy available on the Website.

3. USE OF INFORMATION

We collect information from Users in order to provide more effective and less intrusive collections services, ensure proper communication, and deliver our services.

For more information about how Colektia collects, stores, and processes personal data, please refer to our Privacy Notice and Security Policy available on the Website.

4. DATA SHARING

We share information with third parties to improve collections management. In the event of non-compliance with payment agreements, debtor information may be shared with financial institutions.

For more information about how Colektia shares information with third parties, please refer to our Privacy Notice available on the Website.

5. DATA RETENTION

The information we collect is stored on our servers without a predefined retention period.

However, if a client requests the deletion of information relating to itself pursuant to contractual obligations, such information will be deleted in accordance with our Privacy Notice.

6. USER RIGHTS

Users have the right to request the removal of a specific contact method.

Any request or concern related to personal data may be directed to our specialized department through the contact section of the Website or by email at:

hola@colektia.com

For more information, please refer to our Privacy Notice available on the Website.

7. SECURITY MEASURES

We implement robust security measures, including access controls, device analysis, and real-time monitoring, to ensure the integrity and confidentiality of the information we collect.

For more information about how we protect your information, please consult our Security Policy available on the Website.

8. COOKIE POLICY

We use cookies primarily to make our website more user-friendly and to collect statistical information regarding visits and user behavior on our Website.

Cookies allow us to:

• Recognize returning Users and provide a personalized experience.
• Analyze browsing behavior to improve our services and functionality.

Types of Cookies

We use both first-party and third-party cookies, which may be classified as follows:

Session Cookies
Temporary cookies that are deleted when you close your browser.

Persistent Cookies
Cookies that remain stored on your device until they are deleted or expire.

Analytics Cookies
Cookies that allow us to recognize and count visitors and understand how users interact with our website.

Advertising and Third-Party Cookies
Cookies used to deliver advertising relevant to the user.

Managing and Deleting Cookies

If you prefer to restrict, block, or delete Colektia cookies, you may do so through your browser settings.

Cookie settings vary by browser, but are generally available under the “Options” or “Preferences” menus. For more information, please consult your browser’s Help section.

Consent

By using our Website and not disabling cookies in your browser, you consent to the use of cookies in accordance with this Cookie Policy and our Privacy Notice.

If you do not agree with the use of these cookies, you may disable them at any time.

9. LIMITATION OF LIABILITY

General Information

We act as an intermediary in collections processes, using technological tools to optimize these activities.

Although we strive to ensure the efficiency and security of our services, we cannot guarantee specific results or complete protection against unforeseen events or extraordinary circumstances.

Disclaimer of Warranties

While we make every effort to keep our Website and systems operating properly, we do not guarantee that they will be uninterrupted, timely, secure, or error-free.

Limitation Regarding Collections Activities

We are committed to operating within the legal framework applicable to collections activities in Mexico, Colombia, Peru, and Chile.

However, we are not responsible for actions or decisions taken by third parties using our platform or by debtors involved in collections processes.

Data and Security

Although we implement robust security measures, we cannot guarantee complete security of information.

In the event of security breaches beyond our control, we shall not be liable for the loss, disclosure, or alteration of data.

Limitation of Damages

Under no circumstances shall Colektia, its directors, employees, or affiliates be liable for indirect, punitive, incidental, special, or consequential damages arising from the use of, or inability to use, our services.

Governing Law and Dispute Resolution

Any dispute or claim relating to Colektia’s services shall be governed by and interpreted in accordance with the applicable laws of the relevant jurisdiction (Mexico, Colombia, Peru, or Chile, as applicable), and the parties submit to the competent courts of that jurisdiction.

10. CLAIMS AND DISPUTES

For claims related to privacy or information security, please contact our specialized department as indicated in the corresponding section of our Privacy Notice.

We are subject to both internal and external quality and information security audits.

11. MODIFICATIONS TO THESE TERMS

Reservation of Rights

We reserve the right to modify these Terms and Conditions at any time and for any reason. We consider it important to update our policies to reflect changes in our practices, adapt to legal developments, or improve the user experience.

Notice of Changes

Whenever significant changes are made, we will notify Users through our platform or, in some cases, by email.

Changes will become effective on the date specified in the notice or upon publication.

User Responsibility

Users are responsible for reviewing these Terms and Conditions periodically.

Continued use of our services after modifications take effect constitutes acceptance of the updated Terms.

If you do not agree with the modified Terms, you must discontinue use of our services.

Previous Versions

If changes are made, previous versions of the Terms and Conditions will remain available on the Website for at least six (6) months so that Users may review the modifications.

12. THIRD-PARTY LINKS

Our Website may contain links to third-party websites.

Although we make reasonable efforts to ensure that such links comply with security and quality standards, we are not responsible for their content or privacy practices.

13. CONTACT

For additional information or to submit complaints related to these Terms and Conditions, please contact us through the contact section of our Website: https://colektia.com/contacto or by email at: hola@colektia.com.

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