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(B72527682) is registered in the Banco de España registry of virtual currency service providers under registration number E117, as a provider of virtual currency exchange services and electronic wallet custody services, pursuant to the transitional regime of Article 143 of Regulation (EU) 2023\u002F1114 (MiCA), as implemented in Spain. EUR payment services are provided by authorised third-party institutions identified in the Platform. \u003C\u002Fp>\u003Cp> \u003C\u002Fp>\u003Cp>\u003Cstrong>BNKA\u003C\u002Fstrong> acts exclusively as a technology infrastructure provider enabling access to such services. Crypto-assets are not covered by the Deposit Guarantee Fund. BNKA is not a bank. Services are provided in accordance with the applicable regulatory framework at any given time.\u003Cbr> \u003C\u002Fp>","\u003Cp>Byte Neok AI, S.L. 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Terms and Conditions: Argentina","general-terms-and-conditions-argentina","\u003Ch2 data-start=\"96\" data-end=\"122\">1. ACCEPTANCE AND SCOPE\u003C\u002Fh2>\u003Cp data-start=\"124\" data-end=\"548\">These Terms and Conditions (the “Argentina Terms”) govern access to and use of the BNKA.com technology platform (the “Platform”) by natural persons residing in the Republic of Argentina. Access to, registration on, or use of the Platform implies that the user declares that they have read, understood, and fully accepted these Argentina Terms. If the user does not agree with them, they must refrain from using the Platform.\u003C\u002Fp>\u003Cp data-start=\"550\" data-end=\"777\">These Argentina Terms supplement the BNKA General Terms and Conditions. In the event of any conflict or inconsistency, these Argentina Terms shall prevail with respect to services and users located in the Republic of Argentina.\u003C\u002Fp>\u003Ch2 data-start=\"784\" data-end=\"801\">2. DEFINITIONS\u003C\u002Fh2>\u003Cp data-start=\"803\" data-end=\"884\">For the purposes of these Argentina Terms, the following definitions shall apply:\u003C\u002Fp>\u003Cp data-start=\"886\" data-end=\"989\">\u003Cstrong data-start=\"886\" data-end=\"900\">“Platform”\u003C\u002Fstrong>: the technological interface accessible through BNKA.com and\u002For associated applications.\u003C\u002Fp>\u003Cp data-start=\"991\" data-end=\"1093\">\u003Cstrong data-start=\"991\" data-end=\"1001\">“User”\u003C\u002Fstrong>: a natural person residing in the Republic of Argentina who accesses and uses the Platform.\u003C\u002Fp>\u003Cp data-start=\"1095\" data-end=\"1220\">\u003Cstrong data-start=\"1095\" data-end=\"1104\">“PSP”\u003C\u002Fstrong>: Payment Service Provider as defined under the regulations of the Central Bank of the Republic of Argentina (BCRA).\u003C\u002Fp>\u003Cp data-start=\"1222\" data-end=\"1342\">\u003Cstrong data-start=\"1222\" data-end=\"1232\">“PSAV”\u003C\u002Fstrong>: Virtual Asset Service Provider as defined under the regulations of the National Securities Commission (CNV).\u003C\u002Fp>\u003Cp data-start=\"1344\" data-end=\"1409\">\u003Cstrong data-start=\"1344\" data-end=\"1353\">“CVU”\u003C\u002Fstrong>: Uniform Virtual Key associated with a payment account.\u003C\u002Fp>\u003Cp data-start=\"1411\" data-end=\"1497\">\u003Cstrong data-start=\"1411\" data-end=\"1429\">“PSP Services”\u003C\u002Fstrong>: payment account (CVU), transfers, and payments in Argentine pesos.\u003C\u002Fp>\u003Cp data-start=\"1499\" data-end=\"1633\">\u003Cstrong data-start=\"1499\" data-end=\"1518\">“PSAV Services”\u003C\u002Fstrong>: services related to virtual assets (purchase, sale, exchange, execution of orders and\u002For custody, as applicable).\u003C\u002Fp>\u003Ch2 data-start=\"1640\" data-end=\"1684\">3. NATURE OF BNKA.COM AND NEOXPAT LIMITED\u003C\u002Fh2>\u003Cp data-start=\"1686\" data-end=\"1923\">The Platform is operated technologically by Neoxpat Limited, which acts exclusively as a provider of technological infrastructure and a digital interface. For regulatory purposes in the Republic of Argentina, it is expressly stated that:\u003C\u002Fp>\u003Cp data-start=\"1925\" data-end=\"1954\">BNKA.com and Neoxpat Limited:\u003C\u002Fp>\u003Cul data-start=\"1956\" data-end=\"2292\">\u003Cli data-start=\"1956\" data-end=\"1973\">\u003Cp data-start=\"1958\" data-end=\"1973\">are not a bank;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"1974\" data-end=\"2017\">\u003Cp data-start=\"1976\" data-end=\"2017\">are not a Payment Service Provider (PSP);\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2018\" data-end=\"2068\">\u003Cp data-start=\"2020\" data-end=\"2068\">are not a Virtual Asset Service Provider (PSAV);\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2069\" data-end=\"2115\">\u003Cp data-start=\"2071\" data-end=\"2115\">do not provide regulated financial services;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2116\" data-end=\"2154\">\u003Cp data-start=\"2118\" data-end=\"2154\">do not safeguard or hold user funds;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2155\" data-end=\"2181\">\u003Cp data-start=\"2157\" data-end=\"2181\">do not process payments;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2182\" data-end=\"2214\">\u003Cp data-start=\"2184\" data-end=\"2214\">do not issue electronic money;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2215\" data-end=\"2237\">\u003Cp data-start=\"2217\" data-end=\"2237\">do not grant credit;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2238\" data-end=\"2292\">\u003Cp data-start=\"2240\" data-end=\"2292\">do not execute transactions involving crypto-assets.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"2294\" data-end=\"2482\">The Platform does not execute financial transactions itself, but enables users to access and initiate instructions regarding services provided by duly authorized independent third parties.\u003C\u002Fp>\u003Ch2 data-start=\"2489\" data-end=\"2555\">4. SERVICE PROVIDERS IN ARGENTINA (STRICT SEGREGATION OF ROLES)\u003C\u002Fh2>\u003Cp data-start=\"2557\" data-end=\"2758\">In the Republic of Argentina, the services accessible through the Platform are provided by independent entities, each within the scope of its respective authorization and under its sole responsibility.\u003C\u002Fp>\u003Ch3 data-start=\"2760\" data-end=\"2828\">4.1 Block Digital Services S.A. – Payment Service Provider (PSP)\u003C\u002Fh3>\u003Cp data-start=\"2830\" data-end=\"2987\">Block Digital Services S.A. is a company incorporated under the laws of the Republic of Argentina and registered as a Payment Service Provider with the BCRA.\u003C\u002Fp>\u003Cp data-start=\"2989\" data-end=\"3090\">Block Digital Services S.A. is the only entity responsible for providing the PSP Services, including:\u003C\u002Fp>\u003Cul data-start=\"3092\" data-end=\"3314\">\u003Cli data-start=\"3092\" data-end=\"3150\">\u003Cp data-start=\"3094\" data-end=\"3150\">opening and administration of payment accounts with CVU;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3151\" data-end=\"3220\">\u003Cp data-start=\"3153\" data-end=\"3220\">deposit, withdrawal and administration of funds in Argentine pesos;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3221\" data-end=\"3242\">\u003Cp data-start=\"3223\" data-end=\"3242\">domestic transfers;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3243\" data-end=\"3314\">\u003Cp data-start=\"3245\" data-end=\"3314\">payments and other payment services permitted under BCRA regulations.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"3316\" data-end=\"3558\">Block Digital Services S.A. provides services exclusively in fiat currency (Argentine pesos) and does not provide services involving virtual assets, does not act as a PSAV, and does not purchase, sell, intermediate or safeguard crypto-assets.\u003C\u002Fp>\u003Ch3 data-start=\"3560\" data-end=\"3628\">4.2 Digital Trading S.A. – Virtual Asset Service Provider (PSAV)\u003C\u002Fh3>\u003Cp data-start=\"3630\" data-end=\"3881\">Digital Trading S.A. is a company incorporated under the laws of the Republic of Argentina and registered as a Virtual Asset Service Provider with the CNV. Digital Trading S.A. is the only entity responsible for providing the PSAV Services, including:\u003C\u002Fp>\u003Cul data-start=\"3883\" data-end=\"4014\">\u003Cli data-start=\"3883\" data-end=\"3931\">\u003Cp data-start=\"3885\" data-end=\"3931\">purchase, sale and exchange of virtual assets;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3932\" data-end=\"3967\">\u003Cp data-start=\"3934\" data-end=\"3967\">execution of crypto-asset orders;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3968\" data-end=\"4014\">\u003Cp data-start=\"3970\" data-end=\"4014\">custody of virtual assets, where applicable.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"4016\" data-end=\"4119\">PSAV Services are not provided by Block Digital Services S.A., nor by BNKA.com, nor by Neoxpat Limited.\u003C\u002Fp>\u003Ch2 data-start=\"4126\" data-end=\"4183\">5. SEGREGATION OF SERVICES, FUNDS AND RESPONSIBILITIES\u003C\u002Fh2>\u003Cp data-start=\"4185\" data-end=\"4252\">PSP Services and PSAV Services are strictly segregated in terms of:\u003C\u002Fp>\u003Cul data-start=\"4254\" data-end=\"4336\">\u003Cli data-start=\"4254\" data-end=\"4281\">\u003Cp data-start=\"4256\" data-end=\"4281\">contractual arrangements;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"4282\" data-end=\"4295\">\u003Cp data-start=\"4284\" data-end=\"4295\">operations;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"4296\" data-end=\"4323\">\u003Cp data-start=\"4298\" data-end=\"4323\">regulatory framework; and\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"4324\" data-end=\"4336\">\u003Cp data-start=\"4326\" data-end=\"4336\">liability.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"4338\" data-end=\"4352\">In particular:\u003C\u002Fp>\u003Cul data-start=\"4354\" data-end=\"4774\">\u003Cli data-start=\"4354\" data-end=\"4588\">\u003Cp data-start=\"4356\" data-end=\"4588\">\u003Cstrong data-start=\"4356\" data-end=\"4390\">Funds credited to CVU accounts\u003C\u002Fstrong>: do not constitute bank deposits; are not covered by the deposit guarantee scheme; are used exclusively for PSP Services; and are not allocated to or linked to transactions involving crypto-assets.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"4590\" data-end=\"4774\">\u003Cp data-start=\"4592\" data-end=\"4774\">\u003Cstrong data-start=\"4592\" data-end=\"4636\">Any transaction involving virtual assets\u003C\u002Fstrong>: is executed exclusively by Digital Trading S.A., under its own regulatory framework, and under its sole responsibility towards the user.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch2 data-start=\"4781\" data-end=\"4804\">6. PLATFORM FEATURES\u003C\u002Fh2>\u003Cp data-start=\"4806\" data-end=\"4866\">The Platform enables users, among other functionalities, to:\u003C\u002Fp>\u003Cul data-start=\"4868\" data-end=\"5016\">\u003Cli data-start=\"4868\" data-end=\"4921\">\u003Cp data-start=\"4870\" data-end=\"4921\">view information, balances and transaction history;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"4922\" data-end=\"4980\">\u003Cp data-start=\"4924\" data-end=\"4980\">initiate requests and instructions to service providers;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"4981\" data-end=\"5016\">\u003Cp data-start=\"4983\" data-end=\"5016\">access notifications and support.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"5018\" data-end=\"5081\">The Platform does not execute financial transactions by itself.\u003C\u002Fp>\u003Cp data-start=\"5083\" data-end=\"5154\">Execution is carried out exclusively by the competent service provider:\u003C\u002Fp>\u003Cul data-start=\"5156\" data-end=\"5245\">\u003Cli data-start=\"5156\" data-end=\"5203\">\u003Cp data-start=\"5158\" data-end=\"5203\">Block Digital Services S.A. for PSP Services;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"5204\" data-end=\"5245\">\u003Cp data-start=\"5206\" data-end=\"5245\">Digital Trading S.A. for PSAV Services.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch2 data-start=\"5252\" data-end=\"5282\">7. CONTRACTUAL RELATIONSHIP\u003C\u002Fh2>\u003Cp data-start=\"5284\" data-end=\"5322\">The user acknowledges and agrees that:\u003C\u002Fp>\u003Cul data-start=\"5324\" data-end=\"5639\">\u003Cli data-start=\"5324\" data-end=\"5439\">\u003Cp data-start=\"5326\" data-end=\"5439\">with respect to PSP Services, they enter into a direct and independent contract with Block Digital Services S.A.;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"5440\" data-end=\"5549\">\u003Cp data-start=\"5442\" data-end=\"5549\">with respect to PSAV Services, they enter into a direct and independent contract with Digital Trading S.A.;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"5550\" data-end=\"5639\">\u003Cp data-start=\"5552\" data-end=\"5639\">BNKA.com and Neoxpat Limited are not parties to regulated financial services contracts.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"5641\" data-end=\"5704\">Each entity is solely responsible for the services it provides.\u003C\u002Fp>\u003Ch2 data-start=\"5711\" data-end=\"5765\">8. REGISTRATION, KYC, AML\u002FCFT AND COMPLIANCE POWERS\u003C\u002Fh2>\u003Cp data-start=\"5767\" data-end=\"5844\">Access to the services is subject to compliance with the following processes:\u003C\u002Fp>\u003Cul data-start=\"5846\" data-end=\"6002\">\u003Cli data-start=\"5846\" data-end=\"5895\">\u003Cp data-start=\"5848\" data-end=\"5895\">identification and identity verification (KYC);\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"5896\" data-end=\"5962\">\u003Cp data-start=\"5898\" data-end=\"5962\">anti-money laundering and counter-terrorism financing (AML\u002FCFT);\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"5963\" data-end=\"6002\">\u003Cp data-start=\"5965\" data-end=\"6002\">other applicable regulatory controls.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"6004\" data-end=\"6069\">Service providers may, in accordance with applicable regulations:\u003C\u002Fp>\u003Cul data-start=\"6071\" data-end=\"6201\">\u003Cli data-start=\"6071\" data-end=\"6104\">\u003Cp data-start=\"6073\" data-end=\"6104\">request additional information;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"6105\" data-end=\"6132\">\u003Cp data-start=\"6107\" data-end=\"6132\">apply operational limits;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"6133\" data-end=\"6171\">\u003Cp data-start=\"6135\" data-end=\"6171\">delay, reject or block transactions;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"6172\" data-end=\"6201\">\u003Cp data-start=\"6174\" data-end=\"6201\">suspend or cancel services.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch2 data-start=\"6208\" data-end=\"6260\">9. SECURITY, ERRORS AND UNAUTHORIZED TRANSACTIONS\u003C\u002Fh2>\u003Cp data-start=\"6262\" data-end=\"6355\">The user is responsible for maintaining the confidentiality of their credentials and devices.\u003C\u002Fp>\u003Cp data-start=\"6357\" data-end=\"6457\">Any unauthorized transaction, error or claim must be reported immediately through official channels.\u003C\u002Fp>\u003Cp data-start=\"6459\" data-end=\"6533\">Claims will be handled by the entity responsible for the relevant service.\u003C\u002Fp>\u003Ch2 data-start=\"6540\" data-end=\"6568\">10. FEES, COSTS AND TAXES\u003C\u002Fh2>\u003Cp data-start=\"6570\" data-end=\"6841\">Applicable fees and charges will be disclosed by the service provider prior to the execution of each transaction. Any applicable taxes and\u002For withholdings shall be applied in accordance with current regulations. The user is responsible for their personal tax obligations.\u003C\u002Fp>\u003Ch2 data-start=\"6848\" data-end=\"6878\">11. LIMITATION OF LIABILITY\u003C\u002Fh2>\u003Cp data-start=\"6880\" data-end=\"6933\">BNKA.com and Neoxpat Limited shall not be liable for:\u003C\u002Fp>\u003Cul data-start=\"6935\" data-end=\"7193\">\u003Cli data-start=\"6935\" data-end=\"7010\">\u003Cp data-start=\"6937\" data-end=\"7010\">acts or omissions of Block Digital Services S.A. or Digital Trading S.A.;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"7011\" data-end=\"7054\">\u003Cp data-start=\"7013\" data-end=\"7054\">losses arising from PSP or PSAV Services;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"7055\" data-end=\"7101\">\u003Cp data-start=\"7057\" data-end=\"7101\">fluctuations in the value of virtual assets;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"7102\" data-end=\"7193\">\u003Cp data-start=\"7104\" data-end=\"7193\">interruptions attributable to third parties or to causes beyond their reasonable control.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"7195\" data-end=\"7266\">Nothing herein limits non-waivable consumer rights under Argentine law.\u003C\u002Fp>\u003Ch2 data-start=\"7273\" data-end=\"7306\">12. SUSPENSION AND TERMINATION\u003C\u002Fh2>\u003Cp data-start=\"7308\" data-end=\"7380\">BNKA.com may suspend or restrict access to the Platform in the event of:\u003C\u002Fp>\u003Cul data-start=\"7382\" data-end=\"7498\">\u003Cli data-start=\"7382\" data-end=\"7417\">\u003Cp data-start=\"7384\" data-end=\"7417\">legal or regulatory requirements;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"7418\" data-end=\"7439\">\u003Cp data-start=\"7420\" data-end=\"7439\">security incidents;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"7440\" data-end=\"7463\">\u003Cp data-start=\"7442\" data-end=\"7463\">indications of fraud;\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"7464\" data-end=\"7498\">\u003Cp data-start=\"7466\" data-end=\"7498\">operational or compliance risks.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"7500\" data-end=\"7634\">Service providers may suspend or terminate the contractual relationship in accordance with their own terms and applicable regulations.\u003C\u002Fp>\u003Ch2 data-start=\"7641\" data-end=\"7678\">13. GOVERNING LAW AND JURISDICTION\u003C\u002Fh2>\u003Cp data-start=\"7680\" data-end=\"7761\">These Argentina Terms shall be governed by the laws of the Republic of Argentina.\u003C\u002Fp>\u003Cp data-start=\"7763\" data-end=\"7905\">Any dispute shall be submitted to the jurisdiction of the competent courts of the Republic of Argentina, without prejudice to consumer rights.\u003C\u002Fp>","2025-07-25T20:30:21.277Z","2026-03-09T20:19:37.421Z","terms",{"id":129,"documentId":191,"createdAt":192,"updatedAt":193,"publishedAt":9,"locale":9,"region":195,"countrynameES":196,"countrynameEN":196,"order":116,"countrynameLT":196,"flag":255},{"id":198,"documentId":199,"name":200,"alternativeText":9,"caption":9,"width":201,"height":201,"formats":9,"hash":202,"ext":107,"mime":108,"size":203,"url":204,"previewUrl":9,"provider":111,"provider_metadata":9,"folderPath":256,"createdAt":205,"updatedAt":205,"publishedAt":205,"locale":9,"focalPoint":9},"\u002F3",{"id":258,"Title":259,"description":260,"keywords":9,"canonicalUrl":261,"noindex":16,"nofollow":16,"structuredType":262,"image":263,"seo_site_setting":308,"breadcrumbs":367},320,"General Terms and Conditions | BNKA Argentina","Review the general terms and conditions of BNKA applicable in Argentina. 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(hereinafter, the “Company”) offers interested parties (hereinafter, the “User” or the “Cardholder”) the subscription to the BNKA Prepaid Card product, available in both physical and virtual form (indistinctly referred to as the “Prepaid Card” or the “Prepaid Cards”). The scope, modalities, and requirements of this product are governed by these Terms and Conditions (hereinafter, the “Terms”).\u003Cbr>By subscribing to and using the Prepaid Card, the User expressly accepts these Terms and undertakes to comply fully and unconditionally with all provisions herein, in accordance with applicable laws, statutes, rules, and regulations.\u003Cbr>The Company reserves the right to amend these Terms at any time. Any amendments shall be notified through the communication channels specified herein, including details of the changes and their effective date. Such amendments will be deemed accepted unless expressly rejected by the User within ten (10) days of notification. An express rejection will result in termination of the Prepaid Card contract. Any person who does not accept these mandatory and binding Terms must refrain from requesting or using the Prepaid Cards, the Platform, and\u002For related Services.\u003C\u002Fp>\u003Ch2>Definitions\u003C\u002Fh2>\u003Ch3>A. Prepaid Card\u003C\u002Fh3>\u003Cp>A nominative, rechargeable, personal, and non-transferable card that allows the User to make payments for goods and\u002For services both in Argentina and abroad. The Prepaid Card may be:\u003Cbr>(i) Physical (the “Physical Prepaid Card”); and\u002For\u003C\u002Fp>\u003Cp>(ii) Virtual (the “Virtual Prepaid Card”), which is exclusively enabled for electronic transactions.\u003C\u002Fp>\u003Cp>The Prepaid Card does not allow cash advances through ATMs or over-the-counter withdrawals. Transactions made with the Prepaid Card are the sole responsibility of the User, who must safeguard it and maintain the confidentiality of their password.\u003Cbr> \u003C\u002Fp>\u003Ch3>B. Physical Prepaid Card\u003C\u002Fh3>\u003Cp>The Physical Prepaid Card is a nominative, personal, and non-transferable plastic card that may be used for in-person payments via POS terminals (including contactless), as well as for online, telephone, or other authorized transactions.\u003C\u002Fp>\u003Cp>Once received, the Physical Prepaid Card must be activated by the Cardholder through the Platform and\u002For any other channel that the Company may make available in the future.\u003C\u002Fp>\u003Cp>If the envelope containing the Physical Prepaid Card appears damaged or tampered with, the Cardholder must refuse delivery and immediately notify the Company via the available customer service channels. The Company will then deactivate the card, and the User may request a replacement through the authorized channels.\u003C\u002Fp>\u003Ch3>C. Virtual Prepaid Card\u003C\u002Fh3>\u003Cp>The Virtual Prepaid Card is a nominative, personal, and rechargeable card, intended exclusively for electronic transactions at merchants affiliated with the VISA network in Argentina and abroad.\u003C\u002Fp>\u003Cp>Any User validated on the Platform may request a Virtual Prepaid Card, which shall be made available immediately upon acceptance of these Terms.\u003C\u002Fp>\u003Cp>The Virtual Prepaid Card is automatically activated upon request, without physical delivery.\u003C\u002Fp>\u003Ch4>1. Issuance and Verification Procedure\u003C\u002Fh4>\u003Cp>1.1. To issue a Prepaid Card, the Company will use the information provided by the applicant through the Platform, as a previously validated User. The User must provide all requested personal data, documents, and information truthfully, accurately, and completely, particularly to comply with applicable regulations, including but not limited to those of the Financial Intelligence Unit (“UIF”), the Anti–Money Laundering and Counter–Terrorism Financing Procedures Manual, and any other requirements imposed by the Company.\u003Cbr>1.2. The Company may reject, suspend, or cancel a Prepaid Card application if it detects inconsistencies in the data, documents, or information provided, or if the User fails to submit the requested information properly. The Company reserves the right to review applications and deny requests at its sole discretion.\u003Cbr>1.3. Once activated, the Prepaid Card may be used within the validity period indicated on its front, subject to the available balance in the Cardholder’s Platform account and to the usage limits set by the Company and\u002For third-party service providers.\u003Cbr>1.4. Upon expiration, the Prepaid Card will be automatically canceled. Renewal will occur automatically if transactions were made within the previous twelve (12) months, unless the Cardholder expressly instructs otherwise at least thirty (30) days before expiration.\u003Cbr>1.5. The Company may cancel the Prepaid Card due to inactivity exceeding twelve (12) months, without prior notice.\u003Cbr>1.6. In the event of cancellation, the User may request a new card through the authorized channels, subject to compliance with any new requirements.\u003C\u002Fp>\u003Ch4>2. Use of the Prepaid Card\u003C\u002Fh4>\u003Cp>2.1. The Prepaid Card is not a credit, debit, or charge card. It does not allow installment purchases or any form of financing by the Company. It may only be used for lawful purposes, in accordance with these Terms and any future terms governing the product.\u003Cbr>2.2. Each transaction shall be subject to the specific requirements or procedures of the merchant, type of transaction, and\u002For payment channel used. Compliance with such requirements constitutes acceptance of the transaction and makes the Cardholder solely responsible for it.\u003Cbr>2.3. The Prepaid Card reflects the balance available in Argentine pesos in the User’s Platform account. All inflows and outflows of funds will be recorded accordingly. Older transactions may not appear on the Platform but can be requested through customer service.\u003Cbr>2.4. Transaction amounts, including fees, commissions, charges, and other items (“Associated Costs”), will be fully debited from the Cardholder’s Platform account at the time of the transaction. If the account balance is insufficient or unavailable, the transaction will be declined. The Company may impose operational limits. Notwithstanding such limits, Users may freely transfer and withdraw funds from their CVU accounts.\u003Cbr>2.5. Funds in the Platform account do not constitute deposits with a financial institution and are not guaranteed under applicable banking deposit protection laws.\u003C\u002Fp>\u003Ch4>3. Disputes and Chargebacks\u003C\u002Fh4>\u003Cp>3.1. Purchases made with the Prepaid Card establish a contractual relationship solely between the Cardholder and the merchant. The Company bears no responsibility for such transactions, which cannot be revoked or canceled by the Company. Non-fraudulent disputes (e.g., duplicate transactions, cancellation of automatic debits, payment errors) must be resolved directly with the merchant.\u003Cbr>3.2. If a transaction is canceled by the merchant, the Cardholder must obtain proof of cancellation and submit it to VISA. Subject to VISA’s approval, the Company will refund the amount to the Cardholder’s Platform account.\u003Cbr>3.3. The Cardholder may dispute a transaction within thirty (30) days of its appearance on the Platform. The Company must respond within fifteen (15) days of receiving the claim and may request supporting documentation before issuing a refund. A final response will be provided within thirty (30) days, subject to internal review. Claims deemed non-fraudulent or inconsistent with recorded transactions will be rejected.\u003C\u002Fp>\u003Ch4>4. Differences in Transaction Presentation\u003C\u002Fh4>\u003Cp>4.1. The User acknowledges that merchants may request pre-authorization and later present transactions for settlement. Presentation constitutes confirmation of the charge and may involve delays or nominal differences. In case of delay, the Company may temporarily credit funds back to the User and later debit them once the merchant presents the transaction. In case of difference, the Company may adjust by crediting or debiting the appropriate amount.\u003C\u002Fp>\u003Ch4>5. Reporting and Reissuance\u003C\u002Fh4>\u003Cp>5.1. The User may pause or report loss, theft, misplacement, destruction, misuse, or suspected compromise of a Prepaid Card via the Platform or customer service channels. Reported cards will be permanently canceled and cannot be reactivated. A new card must be requested, which may involve costs or new requirements in the case of Physical Prepaid Cards.\u003Cbr>5.2. The User must immediately notify the Company of such events. A police report is required to initiate a dispute process. Submission of a report does not guarantee a favorable resolution, which depends on the Company’s review.\u003Cbr>5.3. The User remains solely responsible for all use of the card until the Company confirms its cancellation. Neither the Company nor VISA will be liable for transactions prior to effective cancellation.\u003Cbr>5.4. The Platform offers a “Pause” option to temporarily suspend the card while its status is verified. If suspicion is confirmed, the User must report and proceed as outlined above. Otherwise, the card may be reactivated.\u003C\u002Fp>\u003Ch4>6. Cancellation or Suspension\u003C\u002Fh4>\u003Cp>6.1. The User may voluntarily cancel the Prepaid Card at any time via the Platform or customer service channels.\u003Cbr>6.2. The Company may cancel or suspend a card in cases of: (i) user report, (ii) judicial or regulatory order, (iii) suspected fraud or illegal use, (iv) suspension or closure of the User’s Platform account, (v) failure to provide required data, or (vi) breach of these Terms, the Platform’s Terms, or the Company’s Privacy Policy.\u003C\u002Fp>\u003Ch4>7. User’s Right of Termination or Withdrawal\u003C\u002Fh4>\u003Cp>7.1. Termination: The User may cancel the Prepaid Card at any time through the Company’s website, simply and at no cost.\u003Cbr>7.2. Withdrawal: The User may revoke the card request within ten (10) calendar days of receipt, provided the card has not been used. If the card has been used, Associated Costs proportional to the usage period will be charged.\u003Cbr>7.3. The Company shall provide a visible “termination\u002Fwithdrawal” button on its website. Upon activation, the User will receive a case number and the process will be executed automatically, unless otherwise informed.\u003C\u002Fp>\u003Ch4>8. Responsibilities\u003C\u002Fh4>\u003Cp>8.1. The Company does not guarantee uninterrupted access to the Prepaid Card services, which may be affected by technical issues, internet failures, VISA network outages, or causes beyond its control.\u003Cbr>8.2. The Cardholder agrees to hold the Company, its affiliates, officers, employees, and representatives harmless from any damages, losses, or claims related to use of the Prepaid Card.\u003C\u002Fp>\u003Ch4>9. Taxes\u003C\u002Fh4>\u003Cp>9.1. All present and future taxes applicable to the Prepaid Card (issuance, maintenance, transactions) shall be borne by the User and debited from their Platform account.\u003Cbr>9.2. The User undertakes to maintain a sufficient balance to cover such taxes. In case of insufficient funds, the Company will inform the User of the payment method.\u003Cbr>9.3. Users who are tax-exempt may request refunds. The Company may reject requests that do not meet regulatory requirements. Rejections may be further pursued through remedies under Law 11.683.\u003C\u002Fp>\u003Ch4>10. Foreign Currency Transactions\u003C\u002Fh4>\u003Cp>10.1. International transactions will be converted into Argentine pesos at the official Banco Nación Argentina exchange rate, plus an additional charge. The transaction date may differ from the posting date.\u003Cbr>10.2. Certain transactions may be subject to Dynamic Currency Conversion (DCC), where VISA applies its own exchange rate.\u003Cbr>10.3. Foreign currency transactions may be subject to taxes, deductions, or withholdings established by law. Such amounts will be borne by the User and debited from their Platform account.\u003C\u002Fp>\u003Ch4>11. Associated Costs\u003C\u002Fh4>\u003Cp>Any Associated Costs will be automatically debited from the User’s Platform account. In case of insufficient funds, the Company will inform the User of the required payment method.\u003C\u002Fp>\u003Ch4>12. Regulatory Information and Data Processing\u003C\u002Fh4>\u003Cp>12.1. The Company is authorized to provide information on the User to VISA, the Central Bank of Argentina, UIF, and other competent authorities, as required.\u003Cbr>12.2. By accepting these Terms, the User consents to the inclusion of their personal data in the Company’s registered databases and authorizes its processing by the Company and its affiliates for the operation of the Prepaid Card.\u003C\u002Fp>\u003Ch4>13. Communications\u003C\u002Fh4>\u003Cp>All communications between the Company and the Cardholder under these Terms shall be conducted through the Platform and the channels provided therein.\u003C\u002Fp>\u003Ch4>14. Governing Law and Jurisdiction\u003C\u002Fh4>\u003Cp>These Terms shall be interpreted in accordance with Argentine law. Any dispute arising from these Terms or the use of the Prepaid Card shall be resolved exclusively before the Commercial Courts of the Cardholder’s domicile.\u003C\u002Fp>\u003Cp> \u003C\u002Fp>","2025-09-02T19:32:22.516Z",{"id":129,"documentId":191,"createdAt":192,"updatedAt":193,"publishedAt":9,"locale":9,"region":195,"countrynameES":196,"countrynameEN":196,"order":116,"countrynameLT":196,"flag":385},{"id":198,"documentId":199,"name":200,"alternativeText":9,"caption":9,"width":201,"height":201,"formats":9,"hash":202,"ext":107,"mime":108,"size":203,"url":204,"previewUrl":9,"provider":111,"provider_metadata":9,"folderPath":256,"createdAt":205,"updatedAt":205,"publishedAt":205,"locale":9,"focalPoint":9},{"id":387,"documentId":388,"title":389,"slug":390,"content":391,"createdAt":392,"updatedAt":392,"publishedAt":9,"locale":10,"link":9,"type":253,"order":129,"region":393,"pdf":9,"seo":9},124,"lk4jp3tru7p47me5t7vej3oe","TERMS AND CONDITIONS OF BLOCK DIGITAL SERVICES S.A.","terms-and-conditions-of-block-digital-services-s-a","\u003Ch2>IMPORTANT NOTICE – LIMITATION OF SERVICES\u003C\u002Fh2>\u003Cp>BLOCK DIGITAL SERVICES S.A. provides payment services only and is not authorized to operate as a financial institution by the Central Bank of the Argentine Republic (BCRA). Funds deposited in payment accounts do not constitute bank deposits and are not covered by any of the guarantees applicable to deposits in financial institutions under Argentine law and regulations.\u003C\u002Fp>\u003Ch2>ADHESION CONTRACT – LAW 24,240 (CONSUMER PROTECTION)\u003C\u002Fh2>\u003Cp>These Terms and Conditions of Use, including their annexes (the “Terms of Use”), constitute a binding contract between any person (the “User” or, collectively, the “Users”) who accesses and\u002For uses the services of BLOCK DIGITAL SERVICES S.A., CUIT: 30-71738972-3 (“BLOCK DIGITAL SERVICES”). Such services include access to and use of the digital wallet and any related payment services (each, a “Service” and collectively, the “Services”).\u003Cbr> \u003C\u002Fp>\u003Cp>These Terms of Use describe the rights, responsibilities, and obligations of the User and BLOCK DIGITAL SERVICES in relation to the use of payment processing, payment accounts, the Platform (as defined below), and any related product, functionality, or service.\u003Cbr> \u003C\u002Fp>\u003Cp>By registering as a User and\u002For using the Services, the User expressly acknowledges and accepts these Terms of Use and all other policies and principles incorporated herein by reference. Any person who does not accept these Terms of Use, which are mandatory and binding, must refrain from using the Platform and\u002For the Services.\u003Cbr>For any operation contemplated herein that requires registration as a Payment Service Provider with the Central Bank of the Argentine Republic, such operation and related functions shall be deemed to be carried out by BLOCK DIGITAL SERVICES S.A.\u003C\u002Fp>\u003Ch2>Consent – Compliance with BCRA Communication “A” 7463\u003C\u002Fh2>\u003Cp>The User authorizes the enrollment of their demand payment account to be used in the digital wallet. The User acknowledges that the wallet is provided by BLOCK DIGITAL SERVICES S.A. and that the enrolled payment account is their own.\u003Cbr> \u003C\u002Fp>\u003Cp>All payment or debit instructions issued by the User shall remain valid for as long as such consent or authorization is in force.\u003Cbr>The User may unlink the enrolled account through the following procedure:\u003Cbr>Platform > Profile button (top left corner) > “Personal Data” > “Delete Account” > “Confirm.”\u003Cbr>Alternatively, the User may request unlinking by sending an email to legal@blockdg.com, in accordance with these Terms of Use and any procedures established in the future.\u003C\u002Fp>\u003Ch2>1. Account Registration\u003C\u002Fh2>\u003Ch3>a) Registration\u003C\u002Fh3>\u003Cp>To use the Services, Users must register with BLOCK DIGITAL SERVICES and accept these Terms of Use. Registration requires completing the form with valid, accurate, and truthful personal information (“Personal Data”).\u003Cbr>The User undertakes to keep such data updated through the Platform’s support channels. BLOCK DIGITAL SERVICES is not responsible for the accuracy of data provided by Users, who remain solely liable for its truthfulness, accuracy, completeness, and authenticity. All data provided has the nature of a sworn statement.\u003Cbr>BLOCK DIGITAL SERVICES may request supporting documents or additional information to verify the data provided and may temporarily or permanently suspend accounts that cannot be verified.\u003Cbr>For compliance with anti–money laundering and counter–terrorist financing (“AML\u002FCFT”) regulations, BLOCK DIGITAL SERVICES may request identification and monitoring information from the User, which may vary according to their activity or Services used. Periodic updates may be required.\u003Cbr>BLOCK DIGITAL SERVICES reserves the right to reject registration requests or to cancel\u002Fsuspend accounts if (i) inconsistencies or suspicious activities are detected, or (ii) the User fails to provide or update required information. Such decisions give no right to damages or compensation.\u003C\u002Fp>\u003Ch3>b) Block Digital Services Account\u003C\u002Fh3>\u003Cp>Upon registration, a User will open a Block Digital Services Account (the “Account”), which enables access to the Services and any future features subject to applicable terms. A Uniform Virtual Key (CVU) may be automatically generated and linked to the Account.\u003Cbr>The User is solely responsible for all activity under their Account and must immediately notify BLOCK DIGITAL SERVICES of any unauthorized use via reliable means or to legal@blockdg.com.\u003Cbr>Accounts are personal, unique, and non-transferable. Only “Individual” Accounts are available by default, provided requirements are met.\u003Cbr>All references to money within BLOCK DIGITAL SERVICES are to Argentine pesos unless expressly stated otherwise.\u003C\u002Fp>\u003Ch2>2. Proper Use of the Account\u003C\u002Fh2>\u003Cp>2.1. Users may not use their Account for unlawful purposes or for activities contrary to public morals, customs, or regulations. Prohibited uses include but are not limited to: money laundering, terrorist financing, human trafficking, arms trafficking, or supporting illegal activities. Accounts linked to such activities will be immediately closed or blocked.\u003Cbr>2.2. Each Account is personal, unique, and non-transferable, and may not be sold, assigned, or transferred in any manner. Third-party use is strictly prohibited.\u003Cbr>2.3. Commercial use of the Account is strictly prohibited, including use on behalf of third parties. Any such activity will result in immediate closure or blocking.\u003Cbr>2.4. User Representations. The User declares that their use of the Services does not involve: (i) gambling or betting prohibited by law; (ii) arms, human, or animal trafficking; (iii) AML\u002FCFT violations; (iv) pornography, prostitution, or pedophilia; (v) fraudulent or suspicious activities.\u003Cbr>The User shall not use the Services to transmit material constituting a crime, giving rise to civil liability, or infringing these Terms of Use.\u003Cbr>Cash advances or loans between Users are expressly prohibited. BLOCK DIGITAL SERVICES may reject, cancel, or suspend suspicious transactions and block or terminate Accounts involved. Users shall be liable for damages caused to BLOCK DIGITAL SERVICES or other Users.\u003Cbr>2.5. Services may only be used on the User’s own behalf. Resale of Services is strictly prohibited.\u003C\u002Fp>\u003Ch2>3. Payment Processing – Mandate\u003C\u002Fh2>\u003Ch3>a) Payment Processing Agreement\u003C\u002Fh3>\u003Cp>The User and BLOCK DIGITAL SERVICES (the “Parties”) may enter into Payment Processing Requests under which BLOCK DIGITAL SERVICES provides payment processing services (“Payment Processing Services”) in accordance with the User’s instructions.\u003C\u002Fp>\u003Ch3>b) Irrevocable Mandate\u003C\u002Fh3>\u003Cp>By submitting a Payment Processing Request, the User grants BLOCK DIGITAL SERVICES an irrevocable mandate to (i) pay or (ii) collect funds (“Funds”) on their behalf. This authorizes BLOCK DIGITAL SERVICES to dispose of or receive Funds in the User’s Account, as instructed.\u003C\u002Fp>\u003Ch3>c) Execution\u003C\u002Fh3>\u003Cp>Payment Processing Requests must be submitted via the online form on the Platform. Incomplete or inconsistent requests may be rejected. Users are solely responsible for their instructions. BLOCK DIGITAL SERVICES does not verify the underlying obligation.\u003C\u002Fp>\u003Ch3>d) Completion\u003C\u002Fh3>\u003Cp>A Payment Processing Request is not perfected until BLOCK DIGITAL SERVICES accepts it and sufficient Funds are available. BLOCK DIGITAL SERVICES may refuse requests at its sole discretion without liability.\u003C\u002Fp>\u003Ch3>e) User Responsibility\u003C\u002Fh3>\u003Cp>The User is fully responsible for erroneous, fraudulent, duplicate, or unauthorized instructions issued from their Account, and for any damages caused.\u003C\u002Fp>\u003Ch3>f) Limitation of Liability\u003C\u002Fh3>\u003Cp>BLOCK DIGITAL SERVICES is not responsible for Users’ obligations to third parties or the quality, legality, or legitimacy of goods or services paid for via the Platform. Disputes between Users or with third parties release BLOCK DIGITAL SERVICES from liability.\u003C\u002Fp>\u003Ch2>4. Delivery, Use, and Withdrawal of Funds\u003C\u002Fh2>\u003Cp>a) Delivery. Before a request is processed, sufficient funds must be available in the Account. Pending or retained funds are not considered available.\u003Cbr>b) Instructions. BLOCK DIGITAL SERVICES will follow User instructions for sending or receiving Funds. By holding an Account, the User authorizes receipt of funds and applicable debits.\u003Cbr>c) Withdrawals. Users in Argentina may withdraw available funds to a designated bank account, subject to limits. Transfers are executed immediately upon request. Errors in bank details are the User’s responsibility. BLOCK DIGITAL SERVICES may block withdrawals in cases of fraud or legal suspicion.\u003Cbr>d) Limits. BLOCK DIGITAL SERVICES may establish maximum amounts per transaction, which may vary and be modified by publishing updates on the Platform.\u003Cbr>e) Authorization to Debit. The User authorizes BLOCK DIGITAL SERVICES to debit funds for chargebacks, reversals, or disputes. If insufficient funds are available, future inflows may be debited, or the User must repay within thirty (30) days.\u003Cbr>h) Responsibility. Funds are held in demand accounts with Argentine banks chosen by BLOCK DIGITAL SERVICES. The Company is not liable for bank insolvency, political\u002Feconomic crises, or related risks. Users release BLOCK DIGITAL SERVICES from liability in such cases.\u003C\u002Fp>\u003Ch2>5. General Conditions\u003C\u002Fh2>\u003Cp>5.1. Service Provider. BLOCK DIGITAL SERVICES is a payment service provider and not a financial institution. Funds in payment accounts are not deposits and carry no guarantees.\u003Cbr>5.2. No Interest. Funds in the Account do not accrue interest.\u003Cbr>5.3. Data Security. Personal data will not be sold or rented. It may be shared with value-added service providers integrated into the Platform. Data is encrypted and stored securely.\u003Cbr>5.4. Limitation of Liability. Continuous access to the Platform or Services is not guaranteed. Users may not claim damages for outages or technical failures.\u003Cbr>5.5. Intellectual Property. All rights in the Platform (software, hardware, logos, content, etc.) are owned by BLOCK DIGITAL SERVICES or its affiliates. Unauthorized use is prohibited.\u003Cbr>5.6. Amendments. Terms may be amended at any time without prior notice, effective upon publication in the “Adhesion Contracts – Law 24,240 Consumer Protection” section. Users who disagree may terminate the Service.\u003Cbr>5.7. Assignment. Users may not assign their rights or obligations. BLOCK DIGITAL SERVICES may assign or transfer its contractual position.\u003Cbr>5.8. Termination. Either Party may terminate this Agreement without cause, provided no obligations remain pending. BLOCK DIGITAL SERVICES may terminate immediately in case of User breach, reserving the right to claim damages.\u003Cbr>5.9. Right of Withdrawal. Users may revoke the Service within ten (10) business days of acceptance, provided the Service has not been used.\u003Cbr>5.10. Termination of Service. Users may terminate the Service at any time via the App or contact channels, after withdrawing all funds. BLOCK DIGITAL SERVICES may also terminate or suspend the Service at any time with notice.\u003C\u002Fp>\u003Ch2>6. Service Payment Functionality\u003C\u002Fh2>\u003Cp>By using this feature, the User grants BLOCK DIGITAL SERVICES an irrevocable mandate to debit available funds to pay Service Providers.\u003Cbr>The User must maintain sufficient balance to complete requests. Refunds, if any, will be credited via reverse transfer by the Service Provider. BLOCK DIGITAL SERVICES is not liable for Providers’ actions, omissions, or refund decisions.\u003Cbr>Users remain solely responsible for their use of this functionality. Service Providers are solely responsible for their business activity and compliance with applicable laws.\u003Cbr>The User authorizes BLOCK DIGITAL SERVICES to withhold or collect applicable taxes, fees, or charges. Users are responsible for their own tax obligations.\u003C\u002Fp>\u003Ch3>7. Notifications\u003C\u002Fh3>\u003Cp>BLOCK DIGITAL SERVICES may notify Users via:\u003Cbr>(i) the primary email registered,\u003Cbr>(ii) the mobile application, and\u002For\u003Cbr>(iii) the User’s Account.\u003Cbr>Registered Address of BLOCK DIGITAL SERVICES: Av. Corrientes 1386, 9th Floor, CABA, Buenos Aires, Argentina.\u003C\u002Fp>\u003Ch2>8. Annexes\u003C\u002Fh2>\u003Cp>All annexes published on the Platform form an integral part of these Terms of Use.\u003C\u002Fp>\u003Ch2>9. Dispute Resolution\u003C\u002Fh2>\u003Cp>BLOCK DIGITAL SERVICES undertakes to comply with Argentine law, including the Consumer Protection Law No. 24,240 and Purchase Protection rules, providing Users with all necessary cooperation and information.\u003C\u002Fp>\u003Ch2>10. Governing Law and Jurisdiction\u003C\u002Fh2>\u003Cp>These Terms are governed by the laws of Argentina. Any dispute relating to their existence, validity, interpretation, scope, or performance shall be submitted to the Commercial Courts of the City of Buenos Aires.\u003C\u002Fp>\u003Cp> \u003C\u002Fp>","2025-09-02T19:37:31.307Z",{"id":129,"documentId":191,"createdAt":192,"updatedAt":193,"publishedAt":9,"locale":9,"region":195,"countrynameES":196,"countrynameEN":196,"order":116,"countrynameLT":196,"flag":394},{"id":198,"documentId":199,"name":200,"alternativeText":9,"caption":9,"width":201,"height":201,"formats":9,"hash":202,"ext":107,"mime":108,"size":203,"url":204,"previewUrl":9,"provider":111,"provider_metadata":9,"folderPath":256,"createdAt":205,"updatedAt":205,"publishedAt":205,"locale":9,"focalPoint":9},{"id":396,"documentId":397,"title":398,"slug":399,"content":400,"createdAt":401,"updatedAt":401,"publishedAt":9,"locale":10,"link":9,"type":253,"order":142,"region":402,"pdf":9,"seo":9},127,"eta48cdmd0ixr98gntgvcr5w","BNKA Code of Conduct – Argentina","bnka-code-of-conduct-argentina","\u003Cp>\u003Cbr>\u003Ci>\u003Cstrong>Our Commitment to Your Financial Experience\u003C\u002Fstrong>\u003C\u002Fi>\u003C\u002Fp>\u003Ch2>Our Mission\u003C\u002Fh2>\u003Cp>BNKA Code of Conduct – Argentina\u003C\u002Fp>\u003Cp>At BNKA (Digital Trading S.A., registered under Entry No. 55, dated July 24, 2024, in the CNV Register of Virtual Asset Service Providers), we believe that everyone should have access to simple, transparent, and secure financial solutions—regardless of their origin or stage of life.\u003C\u002Fp>\u003Cp>Our mission is to promote users’ economic integration by offering innovative crypto-asset services and facilitating access to payment solutions through duly authorized partner institutions in each country.\u003C\u002Fp>\u003Ch2>Our Values\u003C\u002Fh2>\u003Cp>The principles that guide our decisions and services are:\u003C\u002Fp>\u003Cp>\u003Cstrong>Accessibility:\u003C\u002Fstrong> We design services that are simple, clear, and available to everyone.\u003C\u002Fp>\u003Cp>\u003Cstrong>Fairness: \u003C\u002Fstrong>We treat every person with respect and equality.\u003C\u002Fp>\u003Cp>\u003Cstrong>Financial Inclusion:\u003C\u002Fstrong> We provide open alternatives for those historically excluded from the traditional system.\u003C\u002Fp>\u003Cp>\u003Cstrong>Integrity:\u003C\u002Fstrong> We act with honesty and accountability.\u003C\u002Fp>\u003Cp>\u003Cstrong>Technological Innovation:\u003C\u002Fstrong> We leverage technology to solve real problems.\u003C\u002Fp>\u003Cp>\u003Cstrong>Teamwork: \u003C\u002Fstrong>We foster collaboration.\u003C\u002Fp>\u003Cp>\u003Cstrong>Responsibility:\u003C\u002Fstrong> We acknowledge our impact and act with social commitment.\u003C\u002Fp>\u003Ch2>1. Your Rights as a User\u003C\u002Fh2>\u003Cp>At BNKA, we safeguard your rights from day one.\u003C\u002Fp>\u003Cp>Clear access to services: You can buy, sell, and transfer crypto-assets (BTC, USDT, USDC, etc.) directly through our app. Additional services—such as bill payments, international accounts, and prepaid cards—are made available via duly authorized partners.\u003C\u002Fp>\u003Cp>Data protection and security: We comply with Argentina’s Personal Data Protection Law No. 25.326 and applicable international standards. Your data is encrypted and never shared without your consent.\u003C\u002Fp>\u003Cp>Transparent information: You receive full details of fees, limits, and conditions before each transaction.\u003C\u002Fp>\u003Cp>Right to be heard: Our support team responds within a maximum of 2 business days via support.bnka.com.\u003C\u002Fp>\u003Cp>Freedom of use: You have full autonomy over your crypto wallet, always within a safe and lawful framework.\u003C\u002Fp>\u003Ch2>2. Our Commitment to Fair Treatment\u003C\u002Fh2>\u003Cp>Personalized attention: Human, approachable, and responsive.\u003C\u002Fp>\u003Cp>Full transparency: No hidden fees, no fine print.\u003C\u002Fp>\u003Cp>Equal treatment: No distinctions based on nationality, gender, financial situation, or orientation.\u003C\u002Fp>\u003Cp>Risk prevention: Ongoing monitoring to prevent fraud and misuse.\u003C\u002Fp>\u003Ch2>3. Trust and Security as Our Foundation\u003C\u002Fh2>\u003Cp>Continuous protection: Encryption, two-factor authentication, and 24\u002F7 monitoring.\u003C\u002Fp>\u003Cp>Ongoing improvement: Regular updates to ensure compliance with international security standards.\u003C\u002Fp>\u003Ch2>4. Your Voice Helps Us Improve\u003C\u002Fh2>\u003Cp>BNKA is built around the real experiences of its users. Every suggestion or claim is an opportunity to grow.\u003C\u002Fp>\u003Cp>We also support financial education initiatives so you can make safe and informed decisions.\u003C\u002Fp>\u003Ch2>5. A Barrier-Free Financial System\u003C\u002Fh2>\u003Cp>BNKA was created to deliver financial solutions to those who face obstacles in the traditional system. Our commitment is to reduce bureaucracy and simplify processes, always in compliance with the applicable legal framework.\u003C\u002Fp>\u003Ch2>6. Ethics, Transparency, and Responsible Use\u003C\u002Fh2>\u003Cp>Regulatory compliance: We operate as a registered VASP in Argentina and comply with local and international laws.\u003Cbr>Honest communication: We notify users promptly and clearly in the event of any changes or errors.\u003Cbr>Fraud prevention: AML\u002FCFT measures in line with UIF Argentina regulations.\u003Cbr>Zero tolerance for corruption: We reject and do not engage in improper practices.\u003Cbr>Data protection: Your information is used exclusively to enhance your experience.\u003C\u002Fp>\u003Ch2>7. Questions or Support\u003C\u002Fh2>\u003Cp>For assistance, visit support.bnka.com.\u003Cbr>We respond clearly and personally within a maximum of 2 business days.\u003C\u002Fp>\u003Ch2>⚠ Legal Disclaimer (Argentina)\u003C\u002Fh2>\u003Cp>In Argentina, BNKA’s crypto-asset services are provided by Digital Trading S.A., a Virtual Asset Service Provider (VASP) registered under Entry No. 55, dated July 24, 2024, in the CNV Register of Virtual Asset Service Providers.\u003C\u002Fp>\u003Cp>This registration is solely for compliance purposes as an Obligated Entity before the Financial Intelligence Unit (UIF) and any other competent regulatory authority. It does not imply licensing or supervision by the National Securities Commission (CNV) of the activities carried out by the VASP.\u003C\u002Fp>\u003Cp>BNKA is not a bank or a financial institution. We do not accept deposits, issue loans, or provide products reserved for credit institutions.\u003C\u002Fp>\u003Cp>Payment accounts, cards, and international account services are provided through duly authorized third-party partners in their respective jurisdictions.\u003C\u002Fp>\u003Cp> \u003C\u002Fp>","2025-09-03T14:04:12.382Z",{"id":129,"documentId":191,"createdAt":192,"updatedAt":193,"publishedAt":9,"locale":9,"region":195,"countrynameES":196,"countrynameEN":196,"order":116,"countrynameLT":196,"flag":403},{"id":198,"documentId":199,"name":200,"alternativeText":9,"caption":9,"width":201,"height":201,"formats":9,"hash":202,"ext":107,"mime":108,"size":203,"url":204,"previewUrl":9,"provider":111,"provider_metadata":9,"folderPath":256,"createdAt":205,"updatedAt":205,"publishedAt":205,"locale":9,"focalPoint":9},{}]